Bankruptcy Attorney in Seminole County, FL
By Robert A. Stiberman, Esq. Member of The Florida Bar since 1998, representing Florida bankruptcy clients since 2009. Last reviewed: July 2026.
Strategic Debt Resolution for Sanford and Seminole County
Stiberman Law, P.A., helps people in Sanford, Altamonte Springs, Lake Mary, and Oviedo with bankruptcy and debt problems. We know that dealing with financial issues can be stressful. Our experienced team is here to provide the guidance you need to stop foreclosure and manage your consumer debt. In our area, where real estate values are high and many professionals work, we offer practical solutions to help you regain control of your finances.
Led by Robert Stiberman, our firm offers dedicated legal representation for Seminole County debtors in the Middle District of Florida (Orlando Division). We ensure each bankruptcy petition is filed with precision, focusing on both immediate relief and long-term financial stability for our clients.
Resident Success Story: Compassion Through the Unknown
We understand that filing for bankruptcy is an emotional journey. Our commitment to treating clients like family is best expressed by those we have served in Seminole County:
“I wanted to thank each team member… Everyone I spoke to always made me feel comfortable and valued with my concerns, which means the world to me. It felt like family more than a business transaction. My attorney, Robert Stiberman, called the same day to talk about how perfect the meeting went with the Trustee… you all made a difference in my situation.” — Amy, Oviedo, FL.
Prior results do not guarantee a similar outcome. Case studies and testimonials reflect the specific facts of those matters and may not be representative of all cases.
Understanding Your Options: Chapter 7, 11, and 13
In Seminole County, we recognize that every financial situation is unique, so we provide personalized strategies from various chapters of the Bankruptcy Code to meet your needs!
- Chapter 7 (Liquidation): Commonly known as “Fresh Start” bankruptcy, this chapter enables you to eliminate unsecured debts such as credit cards, personal loans, and medical bills. We apply the Florida Means Test to determine your eligibility and utilize state exemptions to safeguard your home and vehicle.
- Chapter 13 (Reorganization): Homeowners in Lake Mary or Longwood facing foreclosure at the Seminole County Courthouse. It empowers you to consolidate your arrears into a manageable 3-to-5-year repayment plan and potentially stripping away junior liens and safeguarding your non-exempt assets.
- I understand that facing foreclosure can be overwhelming, but don’t let it dictate your future. This is a chance for you to take back control and rebuild your path forward.
- Chapter 11 (Business/High-Debt): Chapter 11 bankruptcy can offer a pathway to maintain your operations while effectively managing creditor obligations under the guidance of court supervision!
Stopping Wage Garnishment in Seminole County
If a creditor is garnishing your paycheck anywhere in Seminole County, Sanford, Altamonte Springs, Oviedo, Lake Mary, Winter Springs, or Casselberry, you have options. Filing bankruptcy triggers the automatic stay (11 U.S.C. § 362), which legally stops most wage garnishments the moment your case is filed. Florida law also protects wages on its own: under the head-of-household exemption (Fla. Stat. § 222.11), the earnings of someone who provides more than half the support for a child or other dependent are generally exempt, wages up to $750 a week are fully protected, and higher earnings stay protected unless you agreed to the garnishment in writing. We review whether that exemption applies to you, file the exemption claim, and, where bankruptcy is the right tool, use it to stop the garnishment and resolve the underlying debt. For more, see our Florida wage garnishment page.
What to Expect: Your Journey with Stiberman Law
When you contact our firm, you gain a committed advocate. We take pride in our attentive, attorney-led process aimed at reducing the stress of insolvency.
- The Initial Strategy Session: We start with a free consultation, where we analyse your assets, income, and liabilities to determine if bankruptcy is the best option for you.
- Meticulous Case Preparation: Our team handles the heavy lifting, assisting you in gathering mandatory documents—such as tax returns and pay stubs—and drafting your petition with technical precision.
- Filing & Immediate Protection: As soon as we file your petition in the Orlando Division, the Automatic Stay goes into effect. This instantly halts foreclosure auctions, wage garnishments, and all creditor contact.
- Ongoing Representation: Attorney Robert Stiberman or another attorney from the firm will personally represent you at the 341 Meeting of Creditors, ensuring you are prepared and protected during the trustee’s inquiry.
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Comprehensive Coverage: Areas Served in Seminole County
We provide strategic insolvency services for all incorporated and unincorporated areas of Seminole County:
- Principal Cities: Sanford, Altamonte Springs, Casselberry, and Oviedo.
- Suburban Hubs: Lake Mary, Longwood, Winter Springs, and Heathrow.
Local Neighborhoods: Alaqua, Sabal Point, Tuskawilla, Springs Landing, and Wekiva Springs.
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.
Seminole County Local Resources
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Federal Court:
Middle District of Florida – Orlando Division -
Clerk of Court:
Seminole County Clerk of the Circuit Court -
Property Search:
Seminole County Property Appraiser -
Legal Aid:
Seminole County Bar Association Legal Aid Society
Bankruptcy Options Explained
Chapter 7
Chapter 13
Chapter 11
– Your experienced bankruptcy attorney
Learn More About Our Founding Attorney
Robert A. Stiberman is the founder of Stiberman Law, P.A., a bankruptcy firm based in Hollywood, Florida. A member of The Florida Bar since 1998 (J.D., University of Miami School of Law, 1996), he has focused on consumer and business bankruptcy since 2009 and is admitted in all three of Florida’s federal districts, the Southern, Middle, and Northern. He has guided more than 2,500 Florida individuals and businesses through Chapter 7, Chapter 13, and Subchapter V, and his work has earned recognition, including the Avvo Clients’ Choice Award (2025) and Martindale-Hubbell Platinum Client Champion (2025).
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Seminole County
What debts can bankruptcy eliminate?
How quickly does bankruptcy stop creditors?
How long does the process take?
Do I need a certain amount of debt to qualify?
Can bankruptcy stop a wage garnishment in Seminole County?
Yes. The automatic stay halts most garnishments the moment you file, and Florida’s head-of-household exemption (Fla. Stat. § 222.11) fully protects many workers’ wages even outside bankruptcy. We review whether the exemption applies to your situation before deciding the best path.
Take Control of Your Finances in Seminole County
If overwhelming debt is holding you back, the right legal guidance can help you move forward. At Stiberman Law, we are committed to protecting your rights, stopping creditor actions, and giving you the tools to rebuild.
Contact Stiberman Law today to schedule your free consultation and begin your path toward financial freedom.