Seminole County Bankruptcy Attorney

Attorney Juan Burgos

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.

Seminole County Bankruptcy Relief: Find Hope and Solutions with Juan Burgos

Are you feeling overwhelmed by debt? Struggling to keep up with bills? You’re not alone. Many Floridians face similar challenges. Finding a path to financial freedom is possible, and Juan Burgos is here to guide you through the process.

Understanding Your Debt Relief Options

Dealing with overwhelming debt can feel like a relentless battle. Constant phone calls from creditors, looming deadlines, and the sheer weight of financial pressure can impact every aspect of your life. However, it’s important to remember that there are options available. Bankruptcy is a legal process designed to provide individuals and businesses with a fresh start, allowing them to discharge debt and rebuild their financial future. At the Law Offices of Juan Burgos, we understand the complexities of Florida bankruptcy law and are committed to providing compassionate and effective legal representation to Seminole County residents.

The first step is understanding your options. While bankruptcy isn’t the right solution for everyone, it can be a lifeline for those facing insurmountable debt. We’re here to assess your situation, explain your rights, and explore all available solutions, including debt negotiation, credit counseling, and bankruptcy proceedings.

Navigating Chapter 7 Bankruptcy in Florida

Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is a popular option for individuals seeking a quick and effective way to eliminate debt. In Florida, the process begins with a meeting of creditors, where you’ll answer questions under oath about your financial situation. Some of your non-exempt assets may be sold to pay off creditors, but Florida law provides generous exemptions to protect essential assets like your home, vehicle, and personal belongings. According to the U.S. Courts, in 2022, 58% of bankruptcy filings were Chapter 7 cases, demonstrating its prevalence as a debt relief solution.

Eligibility for Chapter 7 is determined by the “means test,” which assesses your income compared to the median income for your household size in Florida. If your income is below the median, you likely qualify. Even if your income is slightly above the median, there may be opportunities to qualify through adjustments and deductions. Our experienced Seminole County bankruptcy attorneys can help you navigate the means test and ensure you meet all eligibility requirements.

Exploring Chapter 13 Bankruptcy: A Reorganization Plan

Chapter 13 bankruptcy, also known as a “wage earner’s plan,” allows individuals with regular income to repay their debts over a three-to-five-year period. This option is ideal for those who want to keep their assets but need time to catch up on payments. You’re essentially creating a repayment plan approved by the bankruptcy court, allowing you to systematically address your debt obligations. The plan takes into account your income, expenses, and available assets.

A significant advantage of Chapter 13 is its ability to stop foreclosures, lawsuits, and wage garnishments. According to the American Bankruptcy Institute, Chapter 13 can be particularly helpful for homeowners struggling with mortgage arrears. It allows you to catch up on missed payments while protecting your home from foreclosure. Our firm provides clear explanations of the Chapter 13 process, ensuring you understand your obligations and can successfully complete your repayment plan.

Florida-Specific Considerations in Bankruptcy Cases

Florida’s bankruptcy laws have unique aspects that can significantly impact your case. One crucial factor is the state’s homestead exemption, which protects a portion of the equity in your primary residence. Florida’s homestead exemption is quite generous, allowing homeowners to protect a significant amount of equity. Understanding these exemptions is vital for protecting your assets during bankruptcy.

Another important consideration is Florida’s vehicle exemption, which allows you to protect one vehicle up to a certain value. Additionally, Florida has specific rules regarding the treatment of retirement accounts and other assets. Navigating these complexities requires an attorney with a deep understanding of Florida law. Juan Burgos and our team are well-versed in Florida’s bankruptcy regulations and are committed to advocating for your rights throughout the process.

Benefits of Working with an Experienced Seminole County Bankruptcy Attorney

Bankruptcy can be a daunting process, filled with legal jargon and complex procedures. Attempting to navigate it alone can be overwhelming and potentially lead to costly mistakes. An experienced bankruptcy attorney can provide invaluable support and guidance, ensuring your case is handled correctly and that your rights are protected. At the Law Offices of Juan Burgos, we offer:

  • Expert Legal Advice: We provide clear and concise explanations of your options and guide you through every step of the process.
  • Accurate Documentation: We meticulously prepare all necessary documents and ensure they are filed correctly and on time.
  • Negotiation with Creditors: We represent you in negotiations with creditors and work to achieve the best possible outcome.
  • Court Representation: We appear in court on your behalf and advocate for your interests.
  • Personalized Attention: We take the time to understand your unique circumstances and tailor our services to meet your specific needs.

Taking the First Step Towards Financial Freedom

Facing financial challenges can be stressful, but remember that help is available. Don’t let debt control your life. Contact the Law Offices of Juan Burgos today for a free consultation. We’re here to listen to your concerns, assess your situation, and explore the best path forward. Let us help you regain control of your finances and build a brighter future. We proudly serve Seminole County and the surrounding areas, providing compassionate and effective bankruptcy representation.

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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Frequently Asked Questions (FAQs)

What is bankruptcy?

Bankruptcy is a legal process that allows individuals or businesses to either reorganize their debts through a repayment plan (Chapter 13) or liquidate non-exempt assets to pay off creditors and discharge most debts (Chapter 7).

How does Chapter 7 work?

In Chapter 7 bankruptcy, non-exempt assets are sold to pay off creditors, while exempt assets are protected. Eligibility is determined by the “means test,” which compares your income to the median income for your household size in Florida.

What's the main difference between Chapter 7 and Chapter 13?

Chapter 7 involves liquidating non-exempt assets, while Chapter 13 focuses on creating a repayment plan to pay off debts over time.

Who qualifies for bankruptcy in Florida?

To qualify for Chapter 7, your income must be below the median income for your household size. Even if your income is above the median, you may still qualify through adjustments and deductions.

What assets are protected in bankruptcy?

Florida law provides generous exemptions, including protection for your home (up to a certain equity value), vehicle, personal belongings, and retirement accounts.

What services does an attorney typically offer during a bankruptcy case?

Your attorney will provide expert legal advice, accurate documentation, negotiation with creditors, court representation, and personalized attention throughout the process.

Please note that this information is general in nature and should not be considered as legal advice. If you have specific questions or concerns about your individual situation, consult with a qualified attorney who specializes in bankruptcy law.

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Don’t speak to insurance company representatives or sign documents before consulting with us about your legal rights

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.

Understanding the Settlement Process for Car Accidents in Florida: How Long Does it Take?

Are you facing financial difficulties after being involved in a car accident in Orlando? As a victim of a car accident, it’s essential to understand the settlement process and timelines in Florida.

Orlando Personal Injury Claims Process: A Comprehensive Guide

If you’ve been involved in an accident or injured due to someone else’s negligence in Orlando, Florida, understanding the personal injury claims process is crucial. This guide will walk you through the steps to take and what to expect when filing a claim.

Bankruptcy and Eviction in Florida: Get the Facts from Attorney Juan Burgos

Facing eviction? Learn how bankruptcy can provide immediate relief and help you keep your home. Get expert guidance from experienced bankruptcy attorney Juan Burgos, serving clients throughout Florida.

2025 Chapter 7 Bankruptcy Checklist in Florida: What to Expect and How to Prepare

What to expect and how to prepare for filing Chapter 7 bankruptcy in Florida in 2025.

Will I Lose My Tax Refund if I File Chapter 7 in Florida?

Discover whether filing for Chapter 7 bankruptcy in Florida will affect your tax refund. Learn about exemptions, means testing, and how to protect your financial future.

5 Things You Must Do After a Car Accident in Florida

Protect your rights and ensure your safety after a car accident in Florida with our essential post-accident checklist.

Will I Lose My Home and Vehicle in Chapter 7 Bankruptcy?

Learn if filing for Chapter 7 bankruptcy will affect your home and vehicle ownership. Get accurate information on exempt assets and potential exemptions.

How to File for Bankruptcy Without an Attorney: A Comprehensive Guide

Learn about filing bankruptcy without a lawyer, including the process, eligibility, and risks. Understand why consulting a legal professional is highly recommended.

What Assets Do You Lose in Chapter 7 Bankruptcy in Florida?

Discover the assets you may lose when filing for Chapter 7 bankruptcy in Florida. Expert attorney Juan Burgos guides you through Florida’s specific laws and helps you understand the process.

Reboot Your Wallet, Restart Your Life: The Ultimate Guide to Florida Bankruptcy Filings for 2025

Discover the ultimate guide to Florida bankruptcy filings in 2025. Learn how to reboot your wallet and restart your life with expert advice on Chapter 7, Chapter 13, and more.

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.

Auto Accident

Truck Accident

Motorcycle Accident

Personal Injury

Bankruptcy