How much does a Chapter 13 bankruptcy attorney cost in Orlando?

Attorney fees for Chapter 13 in the Orlando area commonly run somewhere between $3,000 and $4,500, though a portion of that is often paid through the repayment plan rather than all upfront. Chapter 7 fees are typically lower, often in the $1,000 to $1,800 range, plus court filing fees which are set by federal statute and separate from attorney costs. Get a written fee agreement before filing so you know exactly what's covered.

How often do people actually need to refile or face a second foreclosure attempt?

It varies a lot by household finances, but a meaningful share of Chapter 13 cases get dismissed before completion if payments lapse, which can expose the home to foreclosure again. A good attorney will be upfront about your odds of completing the plan and what happens if income disruptions hit partway through.

What should I expect during the process?

After filing, an automatic stay halts collection and foreclosure action almost immediately. You'll attend a creditors' meeting (called a 341 meeting), the court will confirm a repayment plan for Chapter 13, and you'll make plan payments for three to five years while your attorney handles disputes with the lender or trustee as they come up.

How can I judge whether a bankruptcy attorney is good before hiring them?

Ask how many foreclosure-related bankruptcy cases they've filed in the last year, whether they've dealt with your specific lender or servicer, and how they charge for work beyond the standard filing (like fighting a motion for relief from stay). Clear answers on all three are a good sign; vague ones are a warning.

Bankruptcy & Chapter 13 in Orlando

When a foreclosure is bearing down, Chapter 13 bankruptcy is often the legal tool that buys homeowners time and a structured path to catch up on missed mortgage payments. Filing puts an automatic stay in place, which stops a foreclosure sale in its tracks, and then rolls the arrears into a repayment plan that usually runs three to five years. Chapter 7 works differently: it can wipe out personal liability on unsecured debt and sometimes a second mortgage, but it won't stop a foreclosure by itself for long if you want to keep the house. The 55 attorneys and firms listed in this Orlando category handle both, along with related work like loan modification negotiations, adversary proceedings, and creditor disputes.

Not every bankruptcy lawyer is equally comfortable with foreclosure defense specifically, so look for someone who can walk you through your local district's trustee expectations, has handled cases with your lender or servicer before, and gives you a straight answer on fees before you sign anything. Responsiveness matters too: bankruptcy timelines are unforgiving, and a firm that's slow to return calls can cost you a filing deadline.

Our scoring weighs experience with these exact case types, verified client feedback, and how clearly a firm communicates costs and process, so you can compare options faster. See the full ranked guide to Orlando foreclosure attorneys, and check our methodology for how we build these rankings.

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All bankruptcy & chapter 13 in Orlando, ranked by score and relevance

We found 55 businesses offering bankruptcy & chapter 13 in Orlando; 52 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is bankruptcy & chapter 13, so a lower-scored specialist can rank above a higher-scored generalist.

Caplan Bankruptcy

4.9(167)✓ Google-verified

Every reviewer mentioned support and clarity during a frightening time. Staff including Vonya, Stephen, and Mr. Caplan answered questions promptly, explained each step, and treated clients with respect rather than judgment. Multiple clients reported winning their cases and felt the firm went above and beyond to secure their financial fresh start. The firm handles bankruptcy, foreclosure defense, real estate matters, and debt collection issues across the Northeast Orlando area. Named staff (Vonya, Stephen, Mr. Caplan, Ariel) appear consistently in praise. Some clients have returned over decades, citing unchanged care and integrity. Process feels manageable despite the emotional weight of bankruptcy filing.

Bankruptcy & Chapter 13Consumer Protection & Debt Collection DefenseForeclosure Defense

Bankruptcy & Chapter 13 in Orlando

All bankruptcy & chapter 13 in Orlando, ranked by score and relevance

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