Bankruptcy Attorney in Orange County, FL
Quick Summary
The Challenge: Overwhelming debt and the threat of creditor actions, including wage garnishment or foreclosure, in Orange County, FL.
Chapter 7 (Liquidation): Provides the quickest path to relief (4–6 months) by discharging most unsecured debts, with Florida exemptions helping clients retain essential assets like their home and vehicle.
Chapter 13 (Repayment Plan): Designed for individuals with steady income, it offers a structured 3–5 year repayment plan, which is ideal for clients who need to protect valuable property (like a home) and catch up on missed payments.
The Process: Filing immediately triggers the automatic stay, a critical protection that instantly halts most collection actions, including foreclosures, lawsuits, and wage garnishments.
Bottom Line: Stiberman Law leverages over a decade of experience and bilingual support (English and Spanish) to simplify the bankruptcy process (Chapter 7, 13, or 11) for Orange County residents, helping them protect property, stop creditors, and achieve a financial fresh start.
Trusted guidance for debt relief solutions.
Written By: Attorney Robert Stiberman | Updated 10/1/2025
Why You Need a Bankruptcy Lawyer in Orange County
Living under the pressure of overwhelming debt can feel impossible to manage. Having a skilled attorney by your side ensures you understand every option available, know which chapter of bankruptcy works best for your circumstances, and have someone protecting your interests throughout the process.
At Stiberman Law, we’ve helped clients across Florida, including Orange County, regain financial stability for more than a decade. Our focus is on simplifying the process, safeguarding your rights, and creating a real path toward relief.
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
Why People Choose Stiberman Law
Bankruptcy is about more than paperwork — it’s about protecting your property, your wages, and your future. Clients rely on us because we provide clear guidance, manage all filings, and offer services in both English and Spanish.
Client Case Study
One client came to us with more than $55,000 in medical bills and credit card debt. By filing Chapter 7 bankruptcy, we were able to help discharge those debts in less than six months, giving them a clean slate to rebuild 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?
FIND OUT IT'S FREE
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 full range of debt relief services tailored to individuals, families, and businesses, including:
- Chapter 7 bankruptcy for fast elimination of unsecured debts
- Chapter 13 bankruptcy for repayment plans that protect assets
- Chapter 11 bankruptcy for businesses or individuals with substantial obligations
- Foreclosure defense and protection against wage garnishments
We also assess whether non-bankruptcy options, such as debt consolidation, might be better for your situation.
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:
The best Foreclosure and Chapter 13 Bankruptcy lawyer. The office was very helpful throughout the whole process and gave me the peace of mind I needed. Thank you so much
Jonatan Forneris
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Orange County, FL
What types of debts can be discharged?
Will bankruptcy stop foreclosure or wage garnishment?
Do I need a certain amount of debt to file?
How long does the process take?
Take the First Step Toward Relief in Orange County
Financial stress doesn’t have to control your future. At Stiberman Law, we help Orange County residents protect their property, stop creditor actions, and regain financial stability.
Contact Stiberman Law today to schedule your free consultation and begin the path toward a brighter future.