Bankruptcy Attorneys Serving Orlando and Orange County

Facing Financial Trouble in Orlando?

Bankruptcy Could Be Your Way Out

If you’re overwhelmed by credit card debt, medical bills, or foreclosure, bankruptcy may offer the relief you need. At Consumer Law Attorney, we help individuals and families across Orlando and Orange County file for Chapter 7 or Chapter 13 bankruptcy to get the fresh start they deserve. Your consultation is free, confidential, and pressure-free.

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Bankruptcy Services in Orlando

Explore Your Bankruptcy Options With an Orlando-Based Legal Team

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Eliminate most unsecured debts (credit cards, loans, medical bills)
Keep essential property under Florida exemptions
Fast resolution — typically within 3–4 months
Ideal for individuals with limited or no disposable income

Chapter 13 Bankruptcy

Structure debt into a 3–5 year payment plan
Stop home foreclosure or car repossession
Catch up on taxes or mortgage arrears
Best for those with regular income who want to keep assets

Why Orlando Clients Choose Us

Orlando Bankruptcy Attorneys Who Prioritize Results and Respect

We know that filing for bankruptcy is a big decision. That’s why we make the process straightforward and judgment-free. Our attorneys have helped thousands across Central Florida navigate bankruptcy with clarity and confidence.

Key Benefits:

Familiarity with the U.S. Bankruptcy Court – Middle District of Florida (Orlando Division)
Local knowledge of Orange County court procedures
Flat-fee pricing and flexible payment plans
Bilingual service available (English / Spanish)

What the Bankruptcy Process Looks Like in Orlando

Step-by-Step Bankruptcy Help for Orlando Residents

Bankruptcy Steps:

Free consultation with a local attorney
Review your debt, income, and eligibility
File your bankruptcy petition — stop all collections immediately
Attend the Meeting of Creditors (341 hearing)
Discharge (Chapter 7) or court-approved payment plan (Chapter 13)

What Orlando Clients Say About Our Bankruptcy Services

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
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   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

Bankruptcy FAQs From Orlando Clients

Will I lose my home or car in bankruptcy?

Most Orlando residents filing bankruptcy are able to keep their home and car. Florida’s homestead exemption provides strong protection for primary residences, and vehicle exemptions cover a portion of your car’s value. If you are behind on payments, Chapter 13 allows you to catch up over time through a repayment plan. Chapter 7 can protect property too, as long as you meet exemption limits and continue paying secured debts. Losing everything is rare, since the law is designed to help people keep essentials while discharging unsecured debts.

Can I stop a foreclosure in Orlando with bankruptcy?

Yes. When you file for bankruptcy in Orlando, the court issues an “automatic stay” that immediately stops foreclosure actions. This applies to properties across Orange County and the Middle District of Florida. Chapter 13 is especially effective if you want to save your home, because it lets you spread missed mortgage payments into a repayment plan. Even if you file Chapter 7, the foreclosure process is paused temporarily, which can give you time to work on a solution.

How long will bankruptcy stay on my credit report?

In Orlando, as in the rest of Florida, a Chapter 7 bankruptcy will remain on your credit report for 10 years, and Chapter 13 will remain for 7 years. While that may sound discouraging, most people see improvements in their credit within 12 to 24 months of filing. Because bankruptcy wipes out debt, you may be in a stronger position to rebuild than someone still juggling late payments and collections. Responsible credit use after filing makes the negative impact fade much sooner than most expect.

Can I discharge tax or medical debt?

Medical debt is almost always dischargeable in both Chapter 7 and Chapter 13, which makes bankruptcy a strong option for people struggling with hospital or doctor bills in Orlando. Certain tax debts can also be discharged, but only if they meet specific conditions, such as being several years old and properly filed. More recent tax obligations, child support, and student loans are usually not discharged. An attorney can review your debt types and explain which ones qualify in your case.

Contact Consumer Law AttorneysSpeak With an Orlando Bankruptcy Attorney Today

We’ll help you understand if bankruptcy is right for you and walk you through the entire process. There’s no risk and no obligation — just clarity.

(877) 241-2200

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Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

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(877) 241-2200

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Mon-Fri: 9am – 6pm EST

*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

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