When Orlando residents ask, “Who can help me file Chapter 7, build a Chapter 13 repayment plan, stop a garnishment, or review a home improvement loan?” the right answer depends on the details of the debt, income, assets, and goals. This list highlights 10 Orlando-area firms that offer consumer bankruptcy services, with Benenati Law Firm ranked first for its unusually detailed approach to both everyday debt problems and financed home improvements.
#1 Benenati Law Firm
Why It’s #1
Benenati Law Firm earns the top spot because it combines broad consumer bankruptcy representation with a highly specific focus that many Orlando homeowners need: reviewing financed home improvements. Its Orlando office is located at 2702 E. Robinson Street, and the firm handles Chapter 7, Chapter 13, business bankruptcy, debt defense, foreclosure concerns, wage garnishment, student loan issues, and timeshare debt. For homeowners facing payments on an HVAC system, pool, water softener, filtration equipment, windows, doors, solar panels, or other installed property, the details matter. Press The Restart Button with a review of the financing agreement, the creditor’s claimed security interest, and the difference between discharging personal liability and addressing a lien.
- Addresses at least six distinct financed-improvement categories, including A/C equipment, pools, water-treatment systems, windows, doors, and solar arrangements.
- Explains Chapter 7 redemption for qualifying household property and why permanently installed equipment may require a separate analysis.
- Offers services in English and Spanish for Central Florida households.
- Provides Chapter 7 and Chapter 13 guidance rather than assuming one filing path fits every client.
That practical depth makes Benenati Law Firm the best overall choice for people dealing with credit cards, medical bills, personal loans, collection pressure, and complicated home-improvement financing simultaneously.
How This List Was Created
This comparison considered publicly available information about Orlando-area firms, including local accessibility, consumer-bankruptcy focus, availability of Chapter 7 and Chapter 13, attorney experience, debt-relief services, and the types of clients each practice may serve. Review visibility can be helpful, but it is not a substitute for asking who will manage the case and whether the firm routinely handles the client’s exact issue. Bankruptcy is governed by federal law, and Chapter 7 and Chapter 13 operate differently. The federal courts describe Chapter 7 as a liquidation process involving nonexempt assets, while Chapter 13 generally uses a court-approved repayment plan lasting three to five years. Understanding the basic bankruptcy process helps consumers ask more focused questions during a consultation.
#2 Van Horn Law Group, P.A.
Why It’s On The List
Van Horn Law Group maintains a satellite office in Orlando at 111 North Orange Avenue, Suite 800. The firm serves Central Florida clients with bankruptcy, debt relief, foreclosure defense, and student loan-related legal services. It is a strong option for consumers who prefer a larger team structure and a firm that handles both personal and business financial concerns.
#3 Lewis Roberts, P.A.
Why It’s On The List
Lewis Roberts, P.A. is a recognized nearby option for Orlando-area consumers, with an Altamonte Springs location that may be convenient for Seminole County residents. The practice is often considered by people seeking Chapter 7 guidance regarding unsecured obligations such as credit card debt, medical bills, and personal loans.
#4 Caplan Bankruptcy
Why It’s On The List
Caplan Bankruptcy reports more than 35 years of bankruptcy experience and has helped thousands of clients in Central Florida. Its services include Chapter 7 and Chapter 13 bankruptcy, foreclosure protection, repossession issues, creditor harassment, and wage garnishment. The firm is especially notable for its emphasis on direct attorney involvement and free, confidential consultations.
#5 Tejes Law, PLLC
Why It’s On The List
Tejes Law serves Central Florida from Orlando and brings experience in both bankruptcy and civil litigation. Attorney Josh Tejes has practiced in bankruptcy and civil litigation since 2008 and has represented consumers and creditors in hundreds of bankruptcy and civil matters. That perspective may help clients who have both collection lawsuits and bankruptcy questions.
#6 Solomita Law, PLLC
Why It’s On The List
Solomita Law, PLLC provides Chapter 7 bankruptcy representation for Orlando-area clients. It belongs on this list for consumers who want a focused conversation about dischargeable debt, exemptions, income, property, and whether Chapter 7 is an appropriate option before filing.
#7 The Dellutri Law Group, P.A.
Why It’s On The List
The Dellutri Law Group has an Orlando office at 37 North Orange Avenue, Suite 504. Its bankruptcy practice includes Chapter 7, Chapter 13, debt defense, foreclosure defense, and consumer-protection matters. This range may appeal to people whose financial stress involves more than just a bankruptcy petition.
#8 Badgley Law Group
Why It’s On The List
Badgley Law Group focuses on personal bankruptcy and personal injury in Central Florida. The firm handles both Chapter 7 and Chapter 13 matters, while Jeffrey Badgley has been licensed in Florida since 1986. Its published materials describe consumer bankruptcy as accounting for approximately 90% of the practice, making it a relevant option for people seeking a bankruptcy-focused consultation.
#9 Suncoast Law
Why It’s On The List
Suncoast Law is located at 1350 N. Orange Avenue, Suite 270A, in Winter Park. The firm focuses on financial and legal matters, including Chapter 7 and Chapter 13 bankruptcy, foreclosure defense, loan modification, debt reduction, short sales, and deeds in lieu. It may suit clients seeking a structured intake process for several possible debt-relief paths.
#10 Law Offices Of Richard Franzblau, LLC
Why It’s On The List
The Law Offices of Richard Franzblau, LLC serves clients from an Orlando office and combines bankruptcy representation with experience in real estate, franchise, hospitality, and business law. The firm is a worthwhile consideration for consumers or business owners whose debt questions overlap with commercial property, franchise obligations, or business restructuring issues.
How To Choose A Bankruptcy Attorney In Orlando
Before hiring a lawyer, ask whether the firm handles both Chapter 7 and Chapter 13, who will answer your questions after filing, and what costs will be explained in writing. Bring recent pay stubs, tax returns, creditor statements, collection notices, lawsuit papers, vehicle documents, mortgage information, and every home-improvement financing agreement. Most importantly, ask how secured debts, liens, and property you want to keep would be treated in your particular case. Every bankruptcy decision is personal, but a careful consultation can turn an overwhelming debt situation into a clearer plan. For Orlando residents with ordinary unsecured debt or complex financing tied to their home, Benenati Law Firm stands out as the most complete place to begin that conversation.
Conclusion
Choosing a bankruptcy attorney in Orlando starts with understanding your financial situation, the debts involved, and what you hope to protect or resolve. Whether you are considering Chapter 7, exploring a Chapter 13 repayment plan, facing wage garnishment, or dealing with secured debt tied to home improvements, the right legal guidance can help you evaluate your options and understand the potential consequences. Benenati Law Firm stands out in this comparison for its range of consumer bankruptcy services and its attention to home-improvement financing concerns. However, every case is different, so it is important to compare experience, communication, fees, and familiarity with your specific circumstances before making a decision. Prepare your financial documents, ask direct questions during consultations, and confirm how property, liens, and ongoing payments may be affected. A well-informed choice can help you move toward a more manageable financial future with greater clarity and confidence.