Oviedo Bankruptcy Lawyer | Debt Relief in 32765

Oviedo is consistently ranked as one of the best places to live in Florida, but that quality of life comes with a high price tag. With property taxes rising to support A-rated schools and utility rates increasing by 25% in late 2025, many families in Sanctuary and Live Oak Reserve are feeling the squeeze.

If you are a high-income earner living paycheck to paycheck, or a UCF employee struggling with student loans and credit card debt, you are not alone. Juan Burgos Law helps Oviedo residents protect their assets and eliminate debt using strategic bankruptcy planning.

Why Oviedo Residents Are Filing in 2026

The financial pressure in Oviedo is unique compared to the rest of the county. We see three main drivers for bankruptcy in the 32765 zip code:

1. The “High Income” Squeeze

Oviedo has a high median income (approx. $118,000), but high incomes come with high expenses (mortgages, private school, two cars). Many residents don’t think they qualify for Chapter 7. This is a myth. We can often deduct secured debt payments and childcare costs to help high earners pass the Means Test.

2. Rising Utility & Tax Costs

The City of Oviedo implemented significant utility rate hikes in 2025 and 2026. For families already on the edge, an extra $100-$200 a month in water/sewer bills can lead to missed credit card payments. Bankruptcy stops the interest and penalties, freeing up cash for essentials.

3. Foreclosure Defense in Newer Communities

Home values in Oviedo have dipped slightly (-2.7%), leaving some recent buyers with little equity. If you are facing foreclosure in a newer development, Chapter 13 stops the sale immediately and allows you to catch up on missed payments over 5 years.

Bankruptcy Options for Oviedo Families

Local Court Information

Oviedo residents fall under the Orlando Division of the Middle District of Florida.
Courthouse: 400 W. Washington Street, Orlando, FL 32801.
(Good News: Most hearings, including the 341 Meeting, are currently held virtually via Zoom, so you don’t have to drive to downtown Orlando).

Asset Protection: Keep Your Home & Cars

Oviedo is a commuter hub. You need your vehicles. Under Florida’s 2026 Exemption Laws, you can protect:

• Homestead: 100% of your home’s equity (if owned for 1,215 days).
• Vehicles: Up to $5,000 in equity per car (or $10,000 for couples).
• Retirement: All qualified retirement accounts are exempt.

Stop the Creditors Today

Whether you live near Oviedo on the Park or closer to UCF, 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.