Orlando Bankruptcy Lawyer

From our downtown Orlando office, Bogin, Munns & Munns represents clients across Central Florida in bankruptcy matters filed in the U.S. Bankruptcy Court for the Middle District of Florida.

Our Orlando bankruptcy lawyers help individuals and families determine whether Chapter 7 or Chapter 13 bankruptcy could provide a structured path to debt relief under federal law while protecting key assets under Florida’s exemptions.

We offer confidential consultations so you can talk with an Orlando bankruptcy attorney about your situation, the types of debt you have, and the relief that might be available. Call our Orlando law office at 407-578-9696 or contact us online to schedule your consultation.

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(855) 780-9986

Why Work With Bogin, Munns & Munns for an Orlando Bankruptcy Case?

Our attorneys work to help you understand your options, not push you into a one-size-fits-all solution. People come to Bogin, Munns & Munns for help with bankruptcy in Orlando because we offer:

Experience with Central Florida bankruptcy cases

We help clients evaluate whether Chapter 7 or Chapter 13 makes sense for their situation, and we guide them through each stage—from pre-filing counseling to discharge.

Local presence with regional reach

Our Orlando headquarters at 1000 Legion Place, Suite 1000, and our other Central Florida offices make in-person meetings, phone calls, and virtual consultations convenient for clients throughout the area.

Full-service firm perspective

As a full-service law firm, we understand how bankruptcy can affect related issues such as real estate, small businesses, and estate planning, and we factor that into our advice.

Straightforward, practical guidance

We explain the differences between Chapter 7 and Chapter 13 in everyday language, outline what you can expect, and answer your questions so you can make informed decisions about your financial future.

If you are overwhelmed by debt and considering bankruptcy in Orlando, we are here to listen, review your situation, and help you decide what kind of debt relief, if any, might be appropriate.

Do I Need an Attorney To File For Bankruptcy in Orlando, FL?

You are not required to hire a lawyer to file for bankruptcy, but many people find the process confusing and high-stakes when they try to do it alone.

A bankruptcy attorney in Orlando can help you understand whether you qualify for Chapter 7, whether Chapter 13 may better fit your goals, and how Florida’s exemption laws may protect your home, car, and personal property.

Many people reach out to us when:

• Minimum payments and interest charges keep debts from going down
• They are behind on mortgage or car payments and worried about foreclosure or repossession
• Collection calls, lawsuits, wage garnishments, or bank levies have started or are being threatened
• They are unsure whether their income and assets make them eligible for Chapter 7
• They are trying to decide between debt settlement, consolidation, or bankruptcy
• They want to know what bankruptcy would really mean for their credit and financial future

In a confidential consultation, we review your income, debts, and goals. We cannot guarantee that bankruptcy is right for you or promise specific results, but we can help you understand your options and what each approach may mean.

Orlando Bankruptcy Lawyer Near Me
(855) 780-9986

Types of Bankruptcy Cases We Handle in Orlando

Our Orlando bankruptcy lawyers focus on common consumer and small-business chapters that Central Florida residents and business owners use to address overwhelming debt.

Chapter 7 bankruptcy (liquidation)

For qualifying individuals and families, Chapter 7 can discharge many unsecured debts—such as credit card balances and medical bills—after a short, structured process, while allowing you to keep certain protected assets under Florida exemptions.

Chapter 13 bankruptcy (reorganization)

Chapter 13 bankruptcy can help people with regular income create a 3–5 year repayment plan to catch up on secured debts like mortgages and car loans, manage tax debt, and address other obligations while under court protection.

Business-related bankruptcy issues

Some small-business owners face personal liability on business debts. We help evaluate how personal and business obligations interact and whether bankruptcy may be part of an overall strategy.

Advising on debt relief alternatives

In some cases, non-bankruptcy options, such as negotiated settlements or other forms of restructuring, may be preferable. We discuss these possibilities alongside bankruptcy so you can compare.

The right chapter, or whether bankruptcy is appropriate at all, depends on your income, assets, debt types, and goals. Our role is to help you understand how each option fits your real-life situation.

How Much Debt Relief Can Bankruptcy Provide?

Bankruptcy can provide significant relief for many types of unsecured debt, but it is not a magic eraser for every obligation. For example, credit card debt and medical bills are often dischargeable, while some taxes, student loans, and domestic support obligations may not be.

Generally:

• Chapter 7 may discharge many unsecured debts if you qualify under the means test and other requirements.
• Chapter 13 may structure payments on secured and priority debts and discharge certain remaining unsecured balances at the end of the plan.

We look at:

• Types of debt you have (credit cards, medical bills, personal loans, taxes, secured loans, student loans, etc.)
• Your income and necessary living expenses
• The value and type of assets you own
• Whether you are behind on secured payments, like mortgage or car loans

Based on this information, we can discuss how much relief each chapter realistically offers and what trade-offs may be involved.

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What is Included in Florida Bankruptcy Exemptions and Asset Protection?

Florida’s bankruptcy exemptions are a key part of any Orlando case because they help determine what property you may keep if you file.

Important points to understand include:

• Homestead exemption: The homestead exemption under Article X, Section 4 of the Florida Constitution can protect significant equity in a primary residence that meets state requirements, including acreage limits and residency duration before filing.
• Personal property and vehicle exemptions: Florida law allows protection of certain amounts of personal property and equity in a vehicle, with amounts varying depending on whether you claim the homestead exemption.
• Wildcard exemption: In some situations, when you do not claim a homestead exemption, the wildcard exemption may allow additional protection for personal property.
• Residency requirements: To use Florida’s exemptions fully, you must meet certain residency timeframes under both state law and the federal Bankruptcy Code.

These rules can be complex, and how they apply depends on your specific facts. We explain how Florida exemptions may protect your assets and what that means for your case.

What Happens in an Orlando Bankruptcy Case?

While each case is unique, the core steps in many consumer bankruptcy cases follow a similar pattern. In general, you can expect:

Pre-filing planning and credit counseling

Before filing, you must complete an approved credit counseling course and gather information about your income, expenses, debts, and assets.

Filing the bankruptcy petition and schedules

We prepare and file your petition and schedules with the U.S. Bankruptcy Court for the Middle District of Florida, Orlando Division, along with required statements and supporting documents.

Automatic stay

In many cases, filing triggers an automatic stay that can temporarily stop most collection efforts, including lawsuits, wage garnishments, and some foreclosure actions.

Meeting of creditors (341 meeting)

You attend a meeting, usually about a month after filing, where a trustee asks questions about your petition and finances. Creditors may appear but often do not.

Plan confirmation (Chapter 13)

In Chapter 13 cases, the court considers whether to approve your proposed repayment plan.

Discharge

If all requirements are met, eligible debts may be discharged at the end of a Chapter 7 case or upon completion of a Chapter 13 plan.

We walk you through each step, explain what to expect, and prepare you for any hearings or meetings you need to attend.

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Common Challenges in Orlando Bankruptcy Cases – and How We Help

Our Orlando bankruptcy attorneys work to identify and address issues that could affect eligibility, exemptions, or dischargeability, including but not limited to:

• Qualifying for Chapter 7 under the means test: Income and expense calculations can be complex, and we help evaluate whether you appear to qualify and what alternatives might exist if you do not.
• Protecting assets under Florida exemptions: Misunderstanding homestead, personal property, or vehicle exemptions can lead to unpleasant surprises. We help you understand what appears protected and what may not be.
• Handling recent transfers or payments: Certain transfers of property or payments to specific creditors before filing may raise issues in bankruptcy. We review your recent financial history to identify and address concerns.
• Dealing with secured debts and co-signers: Mortgages, car loans, and co-signed debts may be treated differently from unsecured obligations. We explain options such as reaffirmation, surrender, or paying through a Chapter 13 plan.
• Understanding what is and is not dischargeable: Some debts may not be wiped out, including certain taxes, domestic support, and many student loans. We clarify which debts are likely to remain so you are not surprised later.

By addressing these issues early, we aim to position your case for a smoother process and a more reliable outcome.

Talk With an Orlando Bankruptcy Lawyer Today

You do not have to face overwhelming debt alone or guess about whether bankruptcy is right for you. Bogin, Munns & Munns helps clients in Orlando and across Central Florida evaluate their options, pursue Chapter 7 or Chapter 13 relief when appropriate, and work toward a more stable financial future.

To speak with an Orlando bankruptcy attorney about your situation, call our office at 407-578-9696 or submit an online consultation request. If another Bogin, Munns & Munns location is more convenient, our Central Florida office network makes it easy to connect with the team nearest you.