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Equipment Leases in Subchapter V: True Lease vs. Disguised Financing
Not every equipment agreement labeled a lease survives as one in Subchapter V. How UCC § 1-203 decides cure-and-assume versus bifurcation under § 506(a).

Melissa A. Youngman
3 days ago7 min read


Commercial Landlord Rights in Subchapter V: A Section 365 Primer
When a Subchapter V tenant files bankruptcy, Section 365 gives commercial landlords specific statutory rights: cure requirements, shopping center protections, and a cap on rejection damages.

Melissa A. Youngman
Sep 76 min read


Florida Homestead and Business Bankruptcy: Will You Lose Your House?
Filing Subchapter V as a business does not put your home at risk. Here is how Florida's homestead exemption, federal caps, and personal guaranty exposure actually work for Central Florida owners.

Melissa A. Youngman
Sep 47 min read


IRS Debt in Subchapter V: Priority, Secured, and Nondischargeable Taxes
IRS debt does not disappear automatically in a Subchapter V case. Priority tax claims, tax liens, and the trust fund recovery penalty each get separate treatment under the Bankruptcy Code.

Melissa A. Youngman
Sep 37 min read


PPP Loans, EIDL Loans, and Subchapter V Treatment in 2026
PPP and EIDL loan balances do not disappear on their own once a business reorganizes. Here is how Subchapter V actually treats SBA pandemic-era debt in Central Florida cases.

Melissa A. Youngman
Sep 26 min read


Fraudulent Transfer Risk for Small Business Owners: What to Do Before You File
Before you file for bankruptcy, transfers to insiders, asset moves, and below-market payments can be unwound by the trustee. Federal § 548 and Florida UFTA look back two to four years.

Melissa A. Youngman
Sep 17 min read


Third-Party Releases After Purdue Pharma: What Small Business Owners Should Know
The Supreme Court's 2024 Purdue Pharma ruling bars nonconsensual third-party releases in Chapter 11 plans. Here is what Central Florida small business owners need to understand before confirming a Subchapter V plan.

Melissa A. Youngman
Aug 318 min read


Salon, Spa & Med-Spa Subchapter V in Central Florida
Central Florida salons, spas, and med-spas face unique Subchapter V challenges: booth rental agreements, pre-paid gift card liabilities, and professional licensing obligations each shape the path to reorganization.

Melissa A. Youngman
Aug 286 min read


Landscaping Business Bankruptcy: How Subchapter V Works for Lawn Service Companies in Central Florida
Landscaping and lawn service companies in Central Florida face concentrated equipment debt and seasonal cash flow. Here is how Subchapter V handles both.

Melissa A. Youngman
Aug 276 min read


Auto Dealer and Repair Shop Subchapter V: Floor Plan Financing, Parts Inventory, and Licenses
Auto dealers and repair shops face layered secured-debt challenges in bankruptcy: floor plan lenders, parts inventory claims, and state license protections under 11 U.S.C. § 525.

Melissa A. Youngman
Aug 267 min read


Real Estate Investor Subchapter V: Multi-Property LLC Strategy
A Central Florida real estate investor with multiple properties faces a different Subchapter V calculus than most small businesses. Here is the SARE exclusion, multi-property LLC strategy, and what structuring errors cost.

Melissa A. Youngman
Aug 188 min read


Professional Services Firm Subchapter V: What Law Firms, CPA Firms, and Consultants Need to Know
Subchapter V bankruptcy is available to professional services firms. Learn how partner compensation, WIP billings, ethical obligations, and malpractice tails are handled in the Middle District of Florida.

Melissa A. Youngman
Aug 176 min read


Trucking Company Chapter 11: Fuel, Equipment, and DOT Compliance
Trucking companies filing Chapter 11 face secured equipment liens, fuel card disruptions, DOT operating authority questions, and factoring disputes. Here is how the process works in Florida.

Melissa A. Youngman
Aug 147 min read


Hotel & Short-Term Rental Subchapter V in Central Florida
Hotels and short-term rental operators in Kissimmee and Orlando face unique restructuring challenges. Learn how Subchapter V addresses franchise agreements, PIP obligations, and STR regulations in Central Florida.

Melissa A. Youngman
Aug 137 min read


Retail Business Subchapter V vs. Going-Out-of-Business Sales
When a Central Florida retail business faces distress, the choice between Subchapter V reorganization and a going-out-of-business sale turns on feasibility, gift card exposure, and going-concern value.

Melissa A. Youngman
Aug 127 min read


Veterinary Practice Bankruptcy: Subchapter V for Small-Clinic Restructuring
Veterinary practices in financial distress qualify for Subchapter V reorganization. This guide covers eligibility, equipment loans, DEA controlled substance licensing, and executory contracts for Central Florida clinics.

Melissa A. Youngman
Aug 116 min read


Dental Practice Bankruptcy: Equipment Financing and Patient Goodwill
Dental practices face lender concentration on equipment financing, HIPAA constraints on patient records, and the risk of associate departures. Subchapter V reorganization addresses each of these.

Melissa A. Youngman
Aug 108 min read


Medical Practice Reorganization: Physician Subchapter V in Florida
Florida physicians reorganizing under Subchapter V must address PLLC structures, Medicare receivables, malpractice tail coverage, and licensing rules. This guide explains how it works in the MDFL.

Melissa A. Youngman
Aug 79 min read


Construction Company Subchapter V Bankruptcy in Florida: Bonded Projects, Liens, and Retainage
Florida construction companies filing Subchapter V face bonded project surety obligations, Chapter 713 mechanic's liens, executory subcontracts under § 365, and retainage claims that require pre-petition strategy.

Melissa A. Youngman
Aug 68 min read


Restaurant Bankruptcy in Central Florida: Subchapter V Strategies
Restaurant owners in Central Florida carrying post-COVID debt, deferred rent, and vendor holds can use Subchapter V to restructure while keeping the business open.

Melissa A. Youngman
Aug 57 min read
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