Bankruptcy is a legal process recognized in the U.S. Constitution for the protection of individuals and businesses who are unable to pay their debts and face financial ruin.

The Law Office of Stephen Orchard specializes in:

• Chapter 7 Bankruptcy
• Chapter 11 Bankruptcy
• Chapter 13 Bankruptcy 

Additional legal focus is in:

• Real Estate
• Foreclosure

You may have heard that Chapter 7 requires you to sell or “liquidate” all of your non-exempt assets. Then use that money to pay your creditors before any debts are discharged. However, Florida bankruptcy law allows you to exempt much of your assets from sale. Bankruptcy attorney Stephen Orchard can guide you through the Florida bankruptcy exemptions.

"Under Chapter 11 of the United States Bankruptcy Code is frequently referred to as a "reorganization" bankruptcy. Usually, the debtor remains “in possession;” has the powers and duties of a trustee; may continue to operate its business"

Chapter 13 is commonly known as a debt adjustment or wage earner’s plan, and for good reason. Rather than simply wipe out your debts, a Chapter 13 adjusts your debts – discharging some and lowering others. The Law Offices of Stephen Orchard are always here to assist in navigating your best options.

Our firm will represent the buyer or seller in real estate transactions from negotiations to closing. In addition to representation in foreclosure and foreclosure defense matters, or other litigation which arises in the course of a real estate transaction or real property ownership.

Our office is here for you throughout the course of your representation, and we always make ourselves available to you whenever you need us. Call today