Florida Bankruptcy Lawyer | Your Path to a Financial Fresh Start
Chapter 7 · Chapter 11 · Subchapter V for Small Business
Serving Orange, Osceola, Seminole, Lake & Polk Counties
English, Spanish & Portuguese · Free Consultation
Free Consultation
Results may vary depending on your particular facts and legal circumstances.
Debt can happen to anyone. A sudden medical emergency, a divorce, the loss of a job, or the rising cost of living in Central Florida can turn a manageable budget into a nightmare. If you are afraid to answer the phone because of debt collectors, or if you are losing sleep over a potential foreclosure, you need to know one thing: You have rights.
At Juan Burgos Law, we don't judge; we solve. Bankruptcy is not the end of your financial life—it is a legal tool designed to help honest people get a second chance. We stop the harassment, protect your assets, and guide you toward a debt-free future.
Which Solution is Right for You?
There is no "one size fits all" in bankruptcy. Depending on your income, assets, and goals, we will tailor a strategy using the federal bankruptcy code:
📉 Chapter 7 (Liquidation)
The "Clean Slate." Best for individuals with significant unsecured debt and limited income.
- Eliminates: Credit card debt, medical bills, and personal loans.
- Timeline: Fast process, usually completed in 3-5 months.
- Protection: Florida exemptions allow most people to keep their home, car, and retirement savings.
🏠 Chapter 13 (Reorganization)
The "Asset Saver." Best for homeowners facing foreclosure or those with steady income.
- Stops Foreclosure: Catch up on missed mortgage payments over 3-5 years.
- Saves Cars: Stop repossession and potentially lower your car payment.
- Consolidation: Pay one affordable monthly payment to a trustee.
🏢 Chapter 11 (Business)
For small businesses and high-net-worth individuals.
- Restructuring: Keep your business open while renegotiating debts.
- Subchapter V: A new, faster, and cheaper option specifically for small businesses.
- Control: Remain in control of your business operations as a "Debtor in Possession."
The "Automatic Stay": Immediate Protection
The moment we file your case, the Federal Court issues an Automatic Stay. This is a powerful injunction that stops creditors dead in their tracks. It immediately halts:
- Foreclosure auctions.
- Vehicle repossessions.
- Wage garnishments.
- Lawsuits and creditor phone calls.
Common Bankruptcy Myths
"I will lose everything I own."
FALSE. Florida has some of the most generous exemption laws in the country. The Homestead Exemption protects your home's equity (if you've lived here long enough), and other exemptions protect your car, furniture, and retirement accounts. Most Chapter 7 clients keep all their property.
"My credit will be ruined forever."
FALSE. While bankruptcy stays on your report for 7-10 years, your credit score often improves shortly after filing because your debt-to-income ratio is fixed. Many clients qualify for car loans immediately and mortgages within 2 years of discharge.
"Everyone will know I filed."
FALSE. While it is a public record, no one publishes it in the newspaper or notifies your employer (unless there is a wage garnishment to stop). For most people, it remains a private legal matter.
Areas We Serve in Florida
Juan was great. Highly recommend his office! The situation was on a really tight timeline and he followed through. He was very empathic without sugar coating anything. Communication was always open an… Juan was great. Highly recommend his office! The situation was on a really tight timeline and he followed through. He was very empathic without sugar coating anything. Communication was always open and timely. Appreciate the extra steps he took to make sure the case was solid and felt very prepared for the hearing.
I am very grateful to Mr. Burgos. Excellent work, 100% thorough explanation, and very professional case management. A unique experience. My case became complicated with the Trustee, however, Mr. Burgo… I am very grateful to Mr. Burgos. Excellent work, 100% thorough explanation, and very professional case management. A unique experience. My case became complicated with the Trustee, however, Mr. Burgos handled the situation so well that I emerged victorious. You are in excellent hands.
Excellent work, very satisfied with the results, a good lawyer, and excellent service.
From the first moment I contacted Mr. Burgos, he showed me attentiveness and professionalism. I highly recommend him for his transparency and his willingness to listen to my situation. Thank you, Mr. … From the first moment I contacted Mr. Burgos, he showed me attentiveness and professionalism. I highly recommend him for his transparency and his willingness to listen to my situation. Thank you, Mr. Burgos.
Mr. Burgos was the only attorney who met with me and agreed to take my case just days before my bankruptcy hearing. I called every lawyer in the Kissimmee and Orlando area, and even the most prestigio… Mr. Burgos was the only attorney who met with me and agreed to take my case just days before my bankruptcy hearing. I called every lawyer in the Kissimmee and Orlando area, and even the most prestigious ones didn't treat me the way he did. I spoke to various attorneys; some wouldn't take my case because they didn't speak Spanish, and others declined for different reasons. I give him 5 stars and highly recommend him for his excellent work and good communication.
Struggling with Debt? Get a Fresh Start Today.
Don’t let creditors control your life. Attorney Juan Burgos provides personalized, expert legal guidance to help you eliminate debt and protect your assets. Whether it's Chapter 7 or Chapter 13, we are here to help you rebuild your financial future.
Se Habla Español | Virtual Appointments Available