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Compare bankruptcy lawyers in St Cloud. Review contact information and practice areas before you decide.
5 attorneys listed
Updated May 2026
St Cloud, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeAttorney.com. We do not endorse any attorney or guarantee outcomes. Verify licensing and disciplinary status with the State Bar of Florida before hiring.
Showing 5 bankruptcy lawyers in St Cloud, FL
Listings are displayed in no particular order and are not ranked by BeforeAttorney. Order does not constitute a recommendation or endorsement of any attorney.
Hensel Harris Law
701 13th St, St Cloud, FL 34769
(407) 957-9686 henselharrislaw.com
Cooper & Fernandez Law, PLLC
1350 Tennessee Ave, St Cloud, FL 34772
(407) 420-3826 coopfernlaw.com
Joseph R. Greschner, St Cloud Divorce Attorney
6984 Big Bend Dr, St Cloud, FL 34771
(407) 892-6017 stclouddivorceattorney.com
Bogin, Munns & Munns, P.A.
2727 13th St, St Cloud, FL 34769
(407) 329-9802 boginmunns.com
Lewis and Massey, P.A.
1021 Massachusetts Ave, St Cloud, FL 34769
(407) 892-5138 lewismasseylaw.com
Residents of St Cloud Florida facing overwhelming debt can seek relief through bankruptcy. A local lawyer can guide you through Chapter 7 or Chapter 13 filings in the Orlando Division of the U.S. Bankruptcy Court for the Middle District of Florida. Florida law provides specific exemptions for your home and personal property that a lawyer can help you protect.
What Does a Bankruptcy Lawyer in St Cloud Cost?
Typical costs for a bankruptcy lawyer in Florida range from $1,200 to $3,500 for a Chapter 7 case and $3,000 to $6,000 for a Chapter 13 case. Court filing fees are separate and currently $338 for Chapter 7 and $313 for Chapter 13. Many lawyers offer free initial consultations and payment plans. Costs vary based on case complexity and attorney experience. This is general information and not legal advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by attorney and case complexity. This is not legal advice — consult directly with an attorney for fee specifics.
Frequently Asked Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy in Florida?
Chapter 7 bankruptcy liquidates non-exempt assets to pay creditors and typically takes 3 to 4 months. Chapter 13 bankruptcy involves a repayment plan over 3 to 5 years. Florida allows you to keep your home under the unlimited homestead exemption if you meet residency requirements.
How long does a bankruptcy stay on my credit report in Florida?
A Chapter 7 bankruptcy remains on your credit report for 10 years from the filing date. A Chapter 13 bankruptcy stays for 7 years. You can begin rebuilding credit soon after your case is closed.
Do I need to live in St Cloud to file bankruptcy there?
You must live in Florida for at least 91 days before filing in the state. For the Middle District of Florida, you should have lived in the district for 180 days. St Cloud residents file in the Orlando courthouse.
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About Our Listings
Attorneys listed on BeforeAttorney.com are compiled from publicly available directories, state bar records, and business listings. Inclusion does not constitute endorsement. We do not verify attorney licensing, disciplinary status, or qualifications. Verify each attorney's current standing with the State Bar of Florida.