Bankruptcy Attorney in Orange County, FL

Trusted guidance for debt relief solutions.

Written By: Attorney Robert Stiberman | Updated 1/23/2026

Finding Hope and a Fresh Start in Orlando and Orange County

At Stiberman Law, we understand that facing a financial crisis isn’t just about numbers; it involves your peace of mind, your family’s security, and your future. Life can take unexpected turns, and if you’re feeling overwhelmed by debt, please know that you are not alone. Our firm is committed to providing you and your family with services designed to offer a compassionate, judgment-free pathway toward the stability you deserve.

Our team, led by Robert Stiberman, helps bankruptcy clients throughout the Orlando region. We are here to listen to your story and help stop creditor harassment so you can finally breathe easy again.

Understanding Your Path: Compassionate Options for Recovery

We believe that every family in Orlando, Winter Park, and Apopka deserves a second chance. We’ll sit down with you to explain how the Bankruptcy Code can work for your specific situation in the Middle District of Florida (Orlando Division).

• Chapter 7 (A Fresh Start): If you are struggling with credit cards or medical bills, Chapter 7 can help you eliminate unsecured debts entirely. We’ll help you through the Florida Means Test and use state exemptions (or Federal if applicable) to protect the things you hold dear, like your home and your car.
• Chapter 13 (Protecting Your Home): For those facing a potential foreclosure at the Orange County Clerk of Courts, Chapter 13 provides a mechanism to catch up on missed mortgage payments or past due property taxes. We work with you to create a manageable 3-to-5-year plan that lets you keep your property while restructuring your debt into a payment you can afford.
• Chapter 11 (Support for Your Business): If you’re an Orlando business owner, Chapter 11 can help you to keep your doors open and your employees working while we work together to restructure your obligations.

What to Expect: A Supportive Hand Every Step of the Way

We know that reaching out for help is often the hardest part. That’s why we’ve made our process as transparent and supportive as possible:

1. A Heart-to-Heart Strategy Session: We start with a free consultation. We take the time and we listen!
2. We handle the Paperwork: Gathering mandatory documents can feel daunting. Our team is here to help you every step of the way, ensuring your petition is filed with care and precision.
3. Immediate Peace of Mind: The moment we file, the Automatic Stay begins. This instantly stops foreclosure auctions, halts wage garnishments, and silences the phone calls from collectors.
4. Personal Representation: You won’t face the court alone. Robert Stiberman will prepare you and be right by your side during the 341 Meeting of Creditors, ensuring the process goes as smoothly as possible.

The Bankruptcy Process Explained

Bankruptcy cases in Orange County are filed in the U.S. Bankruptcy Court for the Middle District of Florida. While federal laws apply, local procedures can be confusing. Our team helps make the process straightforward by:

• Offering a free consultation to evaluate your financial situation
• Identifying whether Chapter 7, Chapter 13, or Chapter 11 is right for you
• Handling all filings and ensuring deadlines are met
• Triggering the automatic stay to stop lawsuits, foreclosures, and collections
• Representing you at the trustee hearing
• Helping you complete the process, whether that means a quick discharge or a repayment plan

Emergency Bankruptcy Filings in Orange County: Stop the Crisis Now

When a financial crisis hits, hours matter. If you are facing an imminent legal action—like a foreclosure sale scheduled for tomorrow morning at the Orange County Clerk of Courts—you don’t have time for a standard filing. You need immediate intervention.

Our legal team specializes in Emergency Bankruptcy Filings designed to halt creditors in their tracks, even with only minutes to spare.

The “Skeleton Petition”: Your Instant Legal Shield

By filing a “skeleton petition”—a streamlined, emergency version of a bankruptcy filing, we can immediately trigger the Automatic Stay. This is a powerful federal injunction that acts as a legal wall between you and your creditors.

Once filed, we can effectively stop:

• Foreclosure Auctions: We can halt a sale at the Orange County Clerk of Courts up until the moment the hammer falls.
• Vehicle Repossessions: If your car is your lifeline to work, we can “hit the brakes” on the repo man and keep your keys in your pocket.
• Wage Garnishments: We stop creditors from taking a bite out of your paycheck before it ever reaches your bank account.
• Bank Levies: We act quickly to prevent creditors from freezing your liquid assets and leaving you stranded.
• Defense Against Aggressive Local Creditors: Local institutions can be some of the most persistent. We have extensive experience defending Orlando residents against aggressive legal actions from regional lenders and medical groups, including:

• • Fairwinds Credit Union & VyStar
  • AdventHealth & Orlando Health
  • Other regional credit unions and medical billing groups.

Note: An emergency filing gives you an immediate 14-day window to complete the remaining paperwork. It buys you the most valuable commodity in a crisis: time.

Don’t Wait Until the Gavel Falls

If you are in the middle of a financial emergency, every second counts. Contact our Orlando Bankruptcy Attorney immediately to secure your assets and reclaim your peace of mind.

Serving the Orange County Community

We proudly serve residents of Orlando, Apopka, Ocoee, Winter Park, Maitland, Windermere, Lake Nona, Dr. Phillips, Winter Garden, Hunter’s Creek, and Alafaya.