ORLANDO BANKRUPTCY ATTORNEY

A Path to Relief for Orlando Families Struggling With Debt

At My Affordable Attorney, our Orlando bankruptcy lawyers help individuals and families take control of overwhelming debt. Bankruptcy is a legal tool, not a personal failure, and for many Orlando residents, it offers the clearest path to a genuine fresh start. Contact our Orlando bankruptcy attorney today for a fully confidential, no-obligation case review.

Why Orlando Families Turn to Bankruptcy

Orlando’s economy is built heavily around tourism and hospitality, with healthcare, retail, and food services among the city’s largest employment sectors. Many of those jobs come with seasonal swings and limited benefits, which can leave families exposed when a medical emergency or job loss hits. The median household income in Orlando is approximately $72,336, and the poverty rate sits near 14.66 percent, according to recent Census-based estimates. For households already stretched thin, a single financial shock can spiral into debt that feels impossible to manage.

Orlando falls within the Orlando Division of the U.S. Bankruptcy Court for the Middle District of Florida, held at the George C. Young Federal Courthouse. Filings across the Middle District climbed more than 28 percent during the 12-month period ending December 31, 2024, reflecting the financial strain many Central Florida households continue to face.

Chapter 7 and Chapter 13 Bankruptcy in Orlando

My Affordable Attorney handles both forms of personal bankruptcy. Chapter 7 can discharge qualifying unsecured debts, including credit card balances and medical bills, typically within a few months, provided the filer passes the means test comparing household income to the Florida median. Florida’s homestead exemption protects unlimited equity in a qualifying primary residence, which means most Chapter 7 filers in Orlando keep their homes. Chapter 13 instead reorganizes debt into a three- to five-year repayment plan and is often the better fit for filers who have fallen behind on a mortgage and want to stop foreclosure, or whose income exceeds the Chapter 7 threshold. Filing either chapter triggers an automatic stay under federal law that immediately halts most collection activity, including lawsuits, garnishments, and creditor calls.

Our attorneys provide hands-on guidance at every stage, from evaluating which chapter fits your situation to representing you through the trustee process. We are a debt relief agency under the Bankruptcy Code, and we help people file for bankruptcy relief under that code.

Frequently Asked Questions About Bankruptcy in Orlando, FL

Will I lose my home if I file?

In most cases, no. Florida’s homestead exemption protects unlimited equity in a qualifying primary residence for filers who have owned and occupied the home for at least 1,215 days before filing.

What debts can be eliminated through bankruptcy?

Chapter 7 typically discharges credit card balances, medical bills, and personal loans. It generally cannot eliminate child support, alimony, most student loans, or recent tax debts.

How quickly does the automatic stay take effect?

The stay takes effect the moment your petition is filed, immediately halting most lawsuits, garnishments, and collection calls.

Contact Our Orlando Bankruptcy Attorney Today

At My Affordable Attorney, we believe Orlando residents deserve knowledgeable, genuinely affordable legal representation. Contact us today for a completely confidential, no-obligation case review. We serve clients throughout Orlando and Orange County.