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Orlando Bankruptcy Lawyer

With offices in Orlando and Minneola, my Firm, K. Hunter Goff, P.A., dedicates its practice solely to helping people in Central Florida obtain a fresh financial start to their lives by filing bankruptcy.  I have over 16 years of experience as a central Florida bankruptcy attorney and have successfully helped thousands of people in the Orlando area get back on solid financial footing. It’s perfectly normal to feel overwhelmed and somewhat helpless when dealing with your creditors.  I understand that, and enjoy helping ease the burden my clients feel when going through the process of filing bankruptcy.

“If I file for bankruptcy I have to go
to court to get anything resolved.”

not true, get the facts

I completely understand that you may feel anxious or scared about the prospect of filing bankruptcy.  I understand there are many myths and misinformation out there that can unnecessarily add to those feelings.  As your Orlando Bankruptcy Lawyer, I will work hard to calm your fears and make filing bankruptcy as simple and stress-free as possible for you, while providing the excellent legal services you expect and deserve.

When you are ready, please Contact me to learn more about how I can help you begin rebuilding your financial life.  I, and my staff, will never judge you or think you are a bad person because you fell on hard times financially.  Our goal is to help you get through these difficult times so you can feel confident about your financial future again.

We Have The Answers


Exemptions are provided by State or Federal Statute and used by Debtors to protect certain assets from being liquidated in bankruptcy court.  In other words, applying the exemptions available to you correctly will allow you to keep your stuff.  One of my main jobs as an Orlando bankruptcy attorney is to determine which exemptions apply in my client’s case and use them correctly to allow my client to keep the assets he or she wants to keep.

The most commonly used exemptions are the homestead exemption, vehicle exemption, wildcard exemption, and retirement plan exemption.

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If Discharge is the ultimate goal in bankruptcy, Dismissal is like getting a red card and being tossed from the game.  A Dismissal usually occurs in a Chapter 13 case if you are unable to make your payment under your Chapter 13 Payment Plan.  If you case is Dismissed, your Creditors can collect on the debts you owe them, just as they could before your bankruptcy filing.

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When you have missed 4 or more mortgage payments on a piece of real estate, the creditor you owe the money to can file a lawsuit against you to take the home away from you.  This lawsuit is known as a foreclosure.

In Florida, the creditor must file a foreclosure lawsuit against you and receive a final judgment against you in that lawsuit before the real estate can be taken away from you.  This procedure can last over a year.

Filing a Chapter 13 bankruptcy is one way to prevent a foreclosure from taking place or to stop an active foreclosure.

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Negative Equity

The difference between what you owe on your car, house, or other collateral and what that collateral is worth.  For example, if you owe $15K on a car, and the market value of the car is $10K, then you have $5K of “negative equity” in the car.

Negative equity is created when you “roll over” a previous car loan into a new one.  Negative equity can be eliminated by redeeming a car in a Chapter 7 bankruptcy or by taking advantage of the benefits of a Chapter 13 bankruptcy.

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Receiving the Discharge Order is your ultimate goal when filing bankruptcy.

A Discharge is entered at the end of a bankruptcy case and releases the Debtor from personal liability for all debts except those few that are Non-Dischargeable.  In other words, you are no longer legally required to pay any debts that were discharged.  A Discharge is a permanent Order prohibitingCreditors from taking any form of collection action on discharged debts, including legal action and communications, such as telephone calls, letters, and personal contacts.

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Your Future is on the line.

Avoid the storms of bankruptcy. Contact us today for a free consultation.
(407) 898-8225

“What do I need to get started?”

find out here

Foreclosure Defense, Stop Repossession, and Eliminate Credit Card Debt

If credit card debt collection calls or threats of vehiclerepossession or home foreclosure are keeping you up at night I’m here to help you get some much needed sleep.  I offer a free consultation to discuss your particular situation. During that meeting, I will discuss with you how I can help you find practical Bankruptcy options to stop creditor harassment, eliminate debt, and put you in a position to rebuild your credit score after the Bankruptcy is completed.

Your Personal Minneola Bankruptcy Lawyer, Personal Representation in Bankruptcy Court

When you hire me as your Minneola bankruptcy lawyer, you will work directly with me and my experienced staff throughout the entire Bankruptcy process.  I will personally represent you through the bankruptcy filing process and in Orlando bankruptcy Court.  I promise that I will not farm you off to a young associate  just out of law school, or worse, an Orlando bankruptcy attorney who you have never met and who has never seen your case before.  Unfortunately, this happens every day to people filing bankruptcy in Central Florida.

I offer you more than a decade of experience of practicing solely as bankruptcy attorney in Central Florida.  I didn’t just jump into the field of bankruptcy law in the last few years when the economy turned South.  I have represented nearly 2,500 people filing bankruptcy in Minneola and Central Florida.

In addition, I am a graduate of Max Gardner’s Bankruptcy boot camp — an in-depth training course that teaches attorneys how to thoroughly represent bankruptcy clients from beginning to end, and to spot issues that other bankruptcy attorneys miss.  I encourage you to check out every attorney you interviewBEFORE you hire him or her by going to the Florida Bar’s website and viewing his or her profile.  You can view my Florida Bar profile here.

I Can Help You Retake Control of Your Financial Life

I know, from representing thousands of people in your situation, that sometimes the hardest thing to do is to make that first call to an Orlando bankruptcy attorney.  Relax.  During our first call, I will ask a few general questions about your situation, you don’t need a stack of bills and Excel spreadsheets when you call me.

Let the benefit of my experience in dealing with people in your situation guide us through the call.  I know what questions to ask you to get to the heart of the matter.  In almost every case, at the end of the call, you will have a clear understanding as to what type of bankruptcy you should file, whether you should even file bankruptcy at all, and if so, what the fee and payment plan will be for you.

When you are ready, please take the first step to getting control of your financial life by calling me at 407-898-8225, or you can contact me by e-mail now.


Chapter 7 Bankruptcy


Chapter 13 Bankruptcy


Small Business Bankruptcy


IRS Issues




Medical Bills




Wage Garnishment


Stop Creditor Harassment


Your Future is on the line.

Avoide the storms of bankruptcy. Contact us today for a free consultation.
(407) 898-8225

Apply to the K. Hunter Goff Bankruptcy/Consumer Rights Scholarship

K. Hunter Goff Bankruptcy/Consumer Rights Scholarship

  • The Law Office of K. Hunter Goff, P.A. attorneys in Orlando and Minneola, Florida, are pleased to offer the K. Hunter Goff Bankruptcy/Consumer Rights Scholarship. The Scholarship is open nationwide to those who will be attending college fall semester of 2017. Special consideration will be given to an undergraduate who is interested in pursuing a career in Bankruptcy/Consumer Rights law, but anyone meeting the requirements & can demonstrate an interested in pursuing a career in law will be considered. This Award will be presented to current college students, but high school seniors who will be attending school in the fall semester of 2017 are also welcome to apply.

    The award will be presented to a college student who is enrolled by the fall semester of 2017, but will not have graduated by fall semester of 2017 & is still attending courses at this time. This will be a one-time award.

    The Scholarship will be judged on merit and need. Academic achievements as well as any leadership experiences will be taken in to account.

  • Requirements

    • This scholarship is judged & awarded primarily on merit & need.
    • Completed application must be submitted online by July 31, 2017. LATE APPLICATIONS WILL NOT BE CONSIDERED.
    • Applicant must plan to attend college by fall semester 2017.
    • Must have a minimum G.P.A. of 3.0.
    • A transcript must be attached to application for consideration.
    • Applicant must submit an un-opened copy of official transcripts if selected as a finalist.
    • This scholarship is a one-time award worth $500 to be awarded the fall semester of 2017.
    • Although not required, applicants are encouraged to submit recommendation letters and/or resumes to substantiate their application.
    • Applicant will be required to demonstrate both their merit and their need for this scholarship
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