St. Cloud Bankruptcy Lawyer | Debt Relief in 34769, 34771 & 34772
Fighting For Your Rights
Attorney Juan Burgos Accidents | Bankruptcy
Free Consultation
Results may vary depending on your particular facts and legal circumstances.
St. Cloud is growing faster than almost anywhere else in Central Florida, but that growth comes with a price. With median rents now exceeding $2,000 and new construction homes in Narcoossee and Canoe Creek pushing property taxes higher, many families are finding themselves “house rich but cash poor.”
If you are struggling to keep up with mortgage payments in Anthem Park or are worried about your car being repossessed before your commute to Lake Nona or Orlando, you are not alone. Juan Burgos Law is your local advocate, helping St. Cloud residents stop creditors and protect their hard-earned assets.
Why St. Cloud Residents Are Filing in 2026
The financial pressure in St. Cloud is unique. We see three main drivers for bankruptcy in our area this year:
1. The Commuter’s Dilemma
Most St. Cloud residents commute long distances to work. If you fall behind on car payments, repossession isn’t just an inconvenience—it’s a job killer. Chapter 13 Bankruptcy stops repossession immediately and can often lower your car payment and interest rate.
2. New Construction & HOA Debt
Many families moved into new developments like Tohoqua or Harmony only to face rising CDD fees and HOA assessments. If you fall behind, these associations can foreclose quickly. We use federal law to stop them and set up an affordable repayment plan.
3. Medical & Credit Card Debt
Even with good jobs, inflation has forced many residents to use credit cards for groceries and gas. High-interest debt is a trap that is mathematically impossible to escape by paying minimums. Chapter 7 wipes this debt out completely.
Bankruptcy Options for St. Cloud Families
Chapter 7: The Reset
Best for renters in 34769 or families with high unsecured debt and limited equity.
- Result: Wipes out debt in 4-6 months.
- 2026 Income Limit (1 Person): Approx. $68,085 (Higher for families).
Chapter 13: The Shield
Best for homeowners in 34771/34772 who need to stop foreclosure or catch up on HOA/CDD fees.
- Result: Stops the auction instantly.
- Plan: Protects your home equity from liquidation.
Local Court Information
St. Cloud residents fall under the Orlando Division of the Middle District of Florida.
Courthouse: 400 W. Washington Street, Orlando, FL 32801.
(Note: Most hearings, including the 341 Meeting, are currently held virtually via Zoom, so you don’t have to drive into downtown Orlando).
Asset Protection: Keep Your Truck & Home
St. Cloud is “Soldier City,” and we know how hard you worked for what you have. Florida’s 2026 Exemption Laws protect:
- Homestead: 100% of your home’s equity is protected (if owned for 1,215 days).
- Vehicles: You can protect up to $5,000 in equity per vehicle (or $10,000 for couples).
- Veterans Benefits: VA benefits and pensions are 100% exempt from creditors.
Stop the Creditors Today
Whether you live near the Lakefront or out in Harmony, you deserve financial peace. Don’t let debt threaten your family’s stability.
Juan Burgos Law offers free, confidential consultations. We speak English, Spanish, and Portuguese.
Disclaimer: Juan Burgos Law is a debt relief agency designated by Congress. We help people file for bankruptcy relief under the United States Bankruptcy Code.
Gracias a su apoyo pude organizar mi situación financiera y atravesar este proceso con confianza y esperanza.
Lo recomiendo 100 % a cualquier persona que necesite un abogado de bancarrota responsable, comprometido y verdaderamente interesado en ayudar a sus clientes.
¡Mil gracias por todo, abogado Burgos!