Orlando Bankruptcy Attorney
Juan Burgos, Esq.
Fighting for Your Rights!
Fighting For Your Rights
To ensure you receive what’s owed to you
More than a decade of expertise in Auto Accidents and Bankruptcy Law
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Results may vary depending on your specific facts and legal circumstances.
Juan Burgos: Your Trusted Orlando FL Bankruptcy Attorney
Are you feeling overwhelmed by debt in the Orlando, FL area? You’re not alone. Fortunately, there’s a solution that can help you get a fresh start – bankruptcy. Attorney Juan Burgos specializes in guiding individuals and families through Chapter 7 and Chapter 13 bankruptcies, providing personalized attention and compassionate support every step of the way.
Understanding Bankruptcy: Chapter 7 vs. Chapter 13
The U.S. Bankruptcy Code offers two primary types of bankruptcy for individuals – Chapter 7 and Chapter 13. Both have their unique benefits and requirements, and understanding these differences can help you determine which path is right for you.
Chapter 7: A Fresh Start
Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows you to discharge (or eliminate) most of your unsecured debts. This includes credit card debt, medical bills, and personal loans. In exchange, a trustee may sell some of your non-exempt property to pay off creditors. However, Florida law provides generous exemptions that protect many assets, such as your home, car, and retirement accounts.
“Chapter 7 is like hitting the reset button on your finances. It’s a quick process that typically lasts only a few months, allowing you to start over with a clean slate.” – Attorney Juan Burgos
Chapter 13: A Debt Repayment Plan
In Chapter 13 bankruptcy, you propose a repayment plan to repay some or all of your debts over three to five years. This option is ideal for individuals who have regular income but are struggling with overwhelming debt, such as mortgage arrears or back taxes. Unlike Chapter 7, Chapter 13 allows you to keep all of your property while reorganizing your finances.
“Chapter 13 gives you the chance to catch up on past-due payments and keep your valuable assets, like your home and car.” – Attorney Juan Burgos
Florida Bankruptcy Law: What You Need to Know
Filing for bankruptcy in Florida involves specific rules and procedures. Here are some key aspects of Florida bankruptcy law:
- Means Test: To qualify for Chapter 7, you must pass a means test that compares your income to the median income in Florida. If your income is below the median, you can file for Chapter 7. If it’s above, you may need to consider Chapter 13.
- Exemptions: Florida allows debtors to choose between state and federal exemptions. Attorney Juan Burgos can help you understand which set of exemptions is best for your situation and how to maximize the protection of your assets.
- Credit Counseling and Debtor Education: Before filing for bankruptcy, you must complete a credit counseling course from an approved provider. After filing, you’ll also need to complete a debtor education course to receive your discharge.
The Benefits of Filing for Bankruptcy in Orlando, FL
Filing for bankruptcy can provide numerous benefits, including:
- Immediate Protection from Creditors: As soon as you file for bankruptcy, an automatic stay goes into effect, halting collection efforts, wage garnishments, and foreclosures.
- Discharge of Debts: Bankruptcy allows you to eliminate most unsecured debts, providing a fresh start for your finances.
- Opportunity to Reorganize Finances: In Chapter 13, you can create a manageable repayment plan that helps you catch up on past-due payments and keep your valuable assets.
Why Choose Juan Burgos for Your Orlando Bankruptcy Case?
When it comes to choosing an attorney, you want someone who is experienced, knowledgeable, and genuinely cares about your well-being. Here’s why Attorney Juan Burgos stands out:
- Expertise in Florida Bankruptcy Law: With years of experience focusing solely on bankruptcy law in Florida, Attorney Burgos has the knowledge and skills to navigate the complexities of your case and achieve the best possible outcome.
- Personalized Attention: At our firm, we believe in treating each client with compassion and respect. We take the time to listen to your story, understand your unique financial situation, and develop a tailored strategy for your bankruptcy case.
- Client-Centered Approach: Our ultimate goal is to help you regain control of your finances and rebuild your life after bankruptcy. We are committed to keeping you informed throughout the process and ensuring that you feel confident in your decisions.
Take the First Step Towards a Fresh Start: Contact Us Today
If you’re ready to take control of your debt and get back on track financially, it’s time to speak with an experienced Orlando bankruptcy attorney. At our firm, we offer free, no-obligation consultations to discuss your situation and help you understand the bankruptcy process.
Don’t let debt hold you back any longer. Call us today at (407) 123-4567 or fill out our online contact form to schedule your free consultation with Attorney Juan Burgos. Together, we can find a solution that works best for you and your family.
Personal Bankruptcy
Florida residents can seek personal bankruptcy to cancel their debts and get a second chance. Our team of specialized property law attorneys will guide you through the process and help you determine if bankruptcy is right for you.
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Business Bankruptcy
Business Bankruptcy In Florida, businesses can also file for business bankruptcy (Chapter 11) to reorganize their finances and pay part or all of their debt. Our team of specialized property law attorneys will guide you through the process and help you determine if bankruptcy is right for your business.
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Benefits of Working with a Bankruptcy Attorney in Orlando, FL
As a Bankruptcy Attorney in Orlando, I understand that navigating the complex world of bankruptcy law can be overwhelming. However, having an experienced professional by your side can make all the difference in achieving financial freedom.
By working with me, you’ll gain access to expert guidance and representation throughout the entire bankruptcy process. As a seasoned Bankruptcy Attorney in Orlando, I’ve helped numerous individuals and families navigate the complexities of bankruptcy law, ensuring they receive the best possible outcome for their unique situation.
Why Choose an Experienced Bankruptcy Attorney in Orlando?
- Expertise: A bankruptcy attorney with extensive experience can provide personalized guidance and tailored advice, helping you make informed decisions about your financial future.
- Knowledge of Local Courts: I’m well-versed in the laws and procedures governing the U.S. Bankruptcy Court for the Middle District of Florida, ensuring that you’re represented by someone who knows the local system inside out.
- Negotiation Skills: As a skilled negotiator, I can help you reach agreements with creditors and other parties involved in your bankruptcy case.
The Importance of Representation
While attempting to navigate the bankruptcy process without professional representation can be tempting, it’s often a recipe for disaster. Without an experienced attorney by your side, you may:
- Miss critical deadlines or lose valuable assets
- Face unfair creditor treatment
- Struggle with complex financial documents and paperwork
My Commitment to Client Success
As a dedicated Bankruptcy Attorney in Orlando, my primary goal is to help you achieve financial freedom. I take the time to understand your unique situation, goals, and concerns, tailoring my services to meet your specific needs.
Don’t face bankruptcy alone. Contact me today to schedule a free consultation and discover how I can help you overcome your debt and rebuild your financial future:
- Call: 407-505-4190
- Email: info@juanburgoslaw.com
Let’s work together to achieve a brighter financial tomorrow.
Frequently Asked Questions (FAQs)
What property can I keep in a Florida bankruptcy?
In a Florida bankruptcy, you can protect (or exempt) much of your property from liquidation or repayment. Florida law allows debtors to choose between state and federal exemption schemes. Commonly exempted assets include:
- Your primary residence, up to a certain value
- One motor vehicle, up to a specified value
- Household goods and furnishings
- Retirement accounts
What debts can bankruptcy eliminate?
Bankruptcy can discharge (eliminate) most unsecured debts, such as:
- Credit card debt
- Medical bills
- Personal loans
- Some tax debts (certain conditions apply)
What debts cannot be discharged in bankruptcy?
Bankruptcy cannot discharge certain types of debts, including:
- Child support and alimony payments
- Student loans (in most cases)
- Most tax debts (certain conditions apply)
- Debts resulting from fraud or malicious acts
- Personal injury damages caused by driving under the influence
How does bankruptcy affect my credit score?
The automatic stay is an injunction that goes into effect as soon as you file for bankruptcy. It prevents creditors from taking collection actions against you, including:
- Garnishing your wages
- Suing you or foreclosing on your property
- Turning off your utilities
The automatic stay gives you the breathing room to address your debt and focus on rebuilding your finances.
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Contact us today for a free consultation!
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How Bankruptcy Works in Florida
Regain Control of Your Finances with Ease
Results may vary depending on the specific circumstances of each case.
Step #1
Submit Your Case
With a free financial situation evaluation, we can start helping you regain control of your life.
Step #2
We Get Started
Our team begins to investigate and evaluate your financial situation.
Step #3
We Fight for Your Rights
Bankruptcy is a right in the United States. With our help, we present your case to the bankruptcy court.
Practice Areas
At our firm, we are dedicated to fighting for your rights and ensuring you receive fair compensation. Our areas of expertise include personal injury law, including auto accidents, motorcycle accidents, and trucking accidents, as well as personal and business bankruptcy cases.