Bankruptcy Attorney in Orange County, FL
Quick Summary
The Challenge: Overwhelming debt and the threat of severe creditor actions, such as foreclosure, wage garnishment, or lawsuits, in Orange County.
Chapter 7 (Quick Relief): Offers the fastest solution (4–6 months) by discharging most unsecured debts (credit cards, medical bills). Florida exemptions are utilized to help clients retain essential assets like their home and vehicle.
Chapter 13 (Asset Protection): Provides a structured 3–5 year repayment plan, which is ideal for clients with steady income who need to catch up on overdue payments and protect valuable property from loss.
The Process: Filing immediately triggers the automatic stay, a mandatory court order that instantly halts all creditor actions, including lawsuits, wage garnishments, repossessions, and foreclosures.
Bottom Line: Stiberman Law provides trusted, bilingual support and over a decade of experience, simplifying the complex bankruptcy process and offering Orange County residents a clear path to financial freedom and a fresh start.
Trusted support for real debt solutions.
Written By: Attorney Robert Stiberman | Updated 10/1/2025
The Importance of a Bankruptcy Attorney in Orange County
Mounting debt can affect your financial security, health, and peace of mind. Working with an experienced bankruptcy lawyer ensures you understand your options, select the right filing chapter, and have someone protecting your assets throughout the process.
At Stiberman Law, we’ve guided individuals and families across Florida, including Orange County, for more than a decade. Our mission is to simplify bankruptcy, protect your rights, and create a path to lasting financial relief.
What to Expect From the Bankruptcy Process
Bankruptcy cases in Orange County are filed through the U.S. Bankruptcy Court for the Middle District of Florida. The rules are federal, but the procedures can feel overwhelming without legal support.
We help clients by:
- Starting with a free consultation to review debts, income, and property
- Identifying the best chapter—Chapter 7, Chapter 13, or Chapter 11—for your needs
- Preparing and filing all necessary paperwork with the court
- Triggering the automatic stay to stop creditor harassment, foreclosures, and garnishments
- Representing you at the trustee meeting
- Helping you achieve either a discharge or repayment plan, depending on the case
Why Clients Work With Stiberman Law
Choosing to file for bankruptcy is a big decision. Our clients appreciate that we:
- Explain each step in plain language
- Manage deadlines and filings for you
- Provide representation in both English and Spanish
- Focus on helping you protect your most important assets
Client Case Study
A client came to us facing more than $50,000 in medical and credit card debt. Through Chapter 7 bankruptcy, we helped her eliminate most of her balances in less than six months, giving her the chance to begin again financially.
STEP 1
Free Consultation
We begin with a free consultation to review your debts, assets, and financial situation. This helps determine whether bankruptcy is the right solution for you.
STEP 2
Depending on your circumstances, you may qualify for Chapter 7 (debt discharge through liquidation), Chapter 13 (structured repayment plan), or Chapter 11 (reorganization, often used by businesses or individuals with significant debt). We’ll explain the differences and recommend the best option for your needs.
STEP 3
Our team helps you gather financial documents and prepares all the required forms. We file your case electronically with the U.S. Bankruptcy Court for the Middle District of Florida, Tampa Division, which covers Winter Haven.
STEP 4
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.
STEP 5
You’ll attend a brief meeting with a court-appointed trustee. An attorney from Stiberman Law will be by your side to make sure you’re prepared and supported.
STEP 6
If you file Chapter 7, eligible debts are discharged in as little as four to six months. If you file Chapter 13, you’ll enter into a three- to five-year repayment plan before remaining eligible debts are wiped out. If you file Chapter 11 as a business, you’ll propose a reorganization plan that restructures obligations while allowing you to remain operational.
Do I Have A Case?
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Contact Stiberman Law Today!
Speaking to our law firm is always 100% confidental. Help is just a call away!
At Stiberman Law, Our Goal Is To Help You Complete The Process Smoothly, Protect Your Property When Possible, And Achieve The Financial Relief You Need For A Fresh Start.
Services We Provide in Orange County
Our firm offers a range of debt relief services, including:
- Chapter 7 bankruptcy for fast debt elimination
- Chapter 13 bankruptcy for repayment plans that protect property
- Chapter 11 bankruptcy for businesses and individuals with complex financial obligations
- Defense against foreclosure and wage garnishment
We also evaluate whether non-bankruptcy options, such as debt settlement or consolidation, may be a better fit.
Understanding Bankruptcy Options
Chapter 7
Chapter 13
Chapter 11
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Patty Hildebrand
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Orange County, FL
What debts can bankruptcy discharge?
Will filing bankruptcy stop foreclosure or garnishments?
How much debt do I need to qualify for bankruptcy?
How long does bankruptcy take?
Take the First Step Toward Relief in Orange County
Debt doesn’t have to control your future. At Stiberman Law, we help Orange County residents protect their rights and move toward a fresh start.
Contact Stiberman Law today to schedule your free consultation and begin building financial stability.