Chapter 7

bankruptcy court

At Carl L. Griffin P.A. we have been helping consumers for over 22 years reduce or eliminate their debt under the protection of the federal bankruptcy court. We are located in Orange County, but offer services to clients in the Middle District which includes Orange, Seminole, Volusia, Osceola, Polk, Lake, Citrus and Marion Counties.  We can help with a liquidation or reorganization of your debt though Chapter 7 or Chapter 13 of the Federal Bankruptcy Code.


To schedule a Free Bankruptcy Consultation with an Orlando Attorney call us at 407-897-2275 or Contact me at to discuss your rights and options.

In today's economy, costs are an important factor.  We strive to maintain the most affordable fees in Central Florida.  We can get started for as little as $400.00 and arrange a payment plan to fit your needs.  Your economic health is most important to us.  You are our Number One concern.  We, at Carl L. Griffin, P.A. work as a team to reduce your stress.



Can I still file a Chapter 7 bankruptcy with the change in bankruptcy laws?
Yes. 85 percent to 90 percent of the people still qualify to file for Chapter 7 bankruptcy under the new bankruptcy laws. There are added requirements under the new laws, but otherwise everything is basically the same.

What is the difference between a Chapter 7 and Chapter 13?
Chapter 7 is called a "Straight Liquidation." In a Chapter 7, we usually eliminate unsecured debts, such as credit cards, medical bills, repossession deficiencies and signature loans. Chapter 13 is a "Debt Consolidation," or "Wage Earners Plan." Chapter 13 is primarily designed to allow you to stop foreclosures and repossessions, and it allows you to make up the back payments in a 36- to 60-month plan.

Do I qualify for a Chapter 7 bankruptcy?
There is no specific dollar amount of debts to qualify for bankruptcy. The main requirement for filing a Chapter 7 bankruptcy is that you not have a great deal of excess income after the payment of regular living expenses and that your gross income be under the Florida median income.

What is non-dischargeable debt?
The most common non-dischargeable debts are student loans, alimony, child support, property settlement agreements and certain income tax liabilities.

Will I lose any property?
So long as your assets are within the exemptions provided by law, you should not lose any property.

Do I have to list all my creditors?
Yes. The bankruptcy laws require you to list all of your creditors, even if you intend to keep paying them after the bankruptcy. Bankruptcy schedules are signed under the penalty of perjury, and you will be under oath at the Meeting of Creditors.

Can I transfer ownership of my assets to someone else prior to filing bankruptcy so I don't lose them in bankruptcy?
No. These types of transfers within two years of filing Chapter 7 bankruptcy will almost always be considered fraudulent and you could also be subjected to criminal prosecution.

We can help you understand:

  • Do I qualify for a Chapter 7 or 13?
  • What is the means test and how does it apply to me?
  • What are the limitations of bankruptcy in Orlando, Fla.?
  • What assets are at risk in an Orlando Florida Bankruptcy?
  • Which assets are not at risk in a Bankruptcy in Orlando, Fla.?
  • If your income can be garnished by creditors in Orlando, Fla.?
  • Whether your home (homestead) is at risk of loss with a Chapter 7 or Chapter 13 bankruptcy in Orlando, Fla.?
  • How you can save your home and stop a foreclosure or sale of your home by using a Bankruptcy in Florida and what alternative legal means can be used?
  • What special provisions are available for Florida or Orlando residents in Bankruptcy?
  • Will I have to go to court?
  • What is a 341 Meeting and will I be required to attend?
  • What needs to be done prior to filing a bankruptcy in Orlando?
  • Is credit counseling required?
  • Is there life after bankruptcy?
  • What will happen to your credit?
  • How to stop collection efforts, or protect yourself from other lawsuits by filing a Florida Bankruptcy.
  • Which debts are secured and which are not secured? What does this mean?
  • What is the process to keep assets that are unsecured or secured? 
  • Can creditors contact you or attempt to collect on debts covered by the bankruptcy?
  • Is my spouse's income included if only I am filing bankruptcy?
  • What happens if I am a co-signer on a debt?

We aggressively pursue violations of the automatic stay to help you recover damages.



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Contact Information

Carl L. Griffin, P.A.

Orlando Office
2223 Curry Ford Road
Orlando, FL 32806
Phone: 407-897-2275

Ocala Office
820 East Fort King Street
Ocala FL 34471-2320
Phone: 352-236-2275