Osceola County Bankruptcy Lawyer | Kissimmee & Poinciana Debt Relief
Chapter 7 · Chapter 11 · Subchapter V for Small Business
Serving Orange, Osceola, Seminole, Lake & Polk Counties
English, Spanish & Portuguese · Free Consultation
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Results may vary depending on your particular facts and legal circumstances.
Osceola County Bankruptcy Lawyer
Debt Relief for Kissimmee, St. Cloud & Poinciana
Osceola County is the engine of Central Florida's tourism industry, but the hardworking families who keep it running often face a harsh economic reality. In Kissimmee and St. Cloud, housing costs have exploded, while service industry wages have struggled to keep up. In Poinciana and Buenaventura Lakes (BVL), aggressive HOAs and rising property taxes are pushing homeowners to the brink of foreclosure.
At Juan Burgos Law, we help you fight back. We know that for many tourism and hospitality workers, one missed week of work or a single medical emergency can lead to financial disaster. We use federal bankruptcy laws (Chapter 7 & 13) to stop wage garnishment at major employers like Disney and Universal, silence debt collectors, and give you the fresh start you deserve.
Communities We Serve in Osceola County
Financial Challenges Unique to Osceola
Our strategy is tailored to the specific employment and housing struggles of the region:
🛑 Protecting Your Paycheck
Large tourism employers comply with garnishment orders instantly. If a creditor takes 25% of your check, you can't pay rent. Filing bankruptcy triggers an Automatic Stay, stopping garnishment immediately—often before your next payday.
🏡 HOA Foreclosure Defense
In Poinciana and BVL, Homeowners Associations (HOAs) are notoriously aggressive. They can foreclose on your home for missed dues even if your mortgage is paid. A Chapter 13 plan allows you to catch up on these dues over 3-5 years while keeping your home.
Protecting Your Assets
A common fear is losing everything. In Florida, we have strong exemptions to protect what matters most:
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Your Car: In Osceola County, public transit is limited. You need your car to get to work. We can usually protect your vehicle equity (up to a limit) or restructure your car loan in Chapter 13 to lower the interest rate and monthly payment. - ➤
Your Home: The Florida Homestead Exemption is one of the strongest in the country. It protects 100% of the equity in your primary residence from unsecured creditors (credit cards, medical bills).
Osceola County Bankruptcy FAQs
Do I have to go to court in Orlando?
Technically, yes, the federal court is in downtown Orlando. However, in 2026, most creditor meetings ("341 Meetings") are held remotely via Zoom or telephone, meaning you can complete the process from your home in St. Cloud.
Do you speak Spanish?
Sí, hablamos español. We understand the diverse community of Osceola County. We can handle your entire case in Spanish to ensure you understand every step of the legal process.
Financial Stress in Kissimmee?
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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.
Excellent experience with my attorney throughout the entire bankruptcy process. From the beginning, he guided us and explained each step clearly, making what can be a very stressful process feel much … Excellent experience with my attorney throughout the entire bankruptcy process. From the beginning, he guided us and explained each step clearly, making what can be a very stressful process feel much simpler and more manageable. He was always professional, attentive, and available to answer our questions. We are very grateful for his help, dedication, and the peace of mind he provided throughout the process. We definitely recommend him to anyone who needs a reliable and professional bankruptcy attorney. Thank you so much for everything! God bless you always.
Excellent team. Very professional, I'm grateful, thank you for everything.
Juan is a great attorney. He communicates clearly and professionally. And his work ethic is second to none. I would recommend anyone in need of legal services to him in the future.
An excellent and highly professional lawyer with extensive knowledge. He explained every detail clearly and concisely, making us feel supported and giving us great confidence throughout the process. I… An excellent and highly professional lawyer with extensive knowledge. He explained every detail clearly and concisely, making us feel supported and giving us great confidence throughout the process. I highly recommend him.