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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


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


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


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


Preference Actions in Subchapter V: Who Can Be Sued
Section 547 lets a debtor in possession claw back payments made before a Subchapter V filing. This guide explains who can sue, and which defenses protect ordinary, arm's length payments from recovery.

Melissa A. Youngman
Jul 136 min read


Why Local Matters: Choosing a Central Florida Subchapter V Attorney Over Big Law
For Central Florida small businesses considering Subchapter V, the choice between a large firm and a local boutique comes down to cost, availability, and who knows the MDFL bench.

Melissa A. Youngman
Jul 107 min read


Which MDFL Division Applies: Orlando vs. Tampa vs. Jacksonville
The Middle District of Florida has four bankruptcy divisions: Orlando, Tampa, Jacksonville, and Fort Myers. Where you file determines your judge, local rules, and case logistics.

Melissa A. Youngman
Jul 96 min read


Clermont and South Lake County Small Business Subchapter V
Construction contractors, landscapers, and retailers in Clermont and South Lake County can reorganize under Subchapter V. Here is how the process works for growth-corridor businesses.

Melissa A. Youngman
Jul 86 min read


Oviedo and Winter Springs: Family Business Reorganization
Family businesses in Oviedo and Winter Springs face distinct Subchapter V challenges when succession and financial distress intersect. Learn how § 1191(b) equity retention applies in the MDFL.

Melissa A. Youngman
Jul 75 min read
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