top of page


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


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


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


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


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


Kissimmee and Celebration: Tourism Business Subchapter V After the Pandemic Overhang
Tourism businesses along Kissimmee's 192 corridor carry pandemic-era debt on otherwise viable operations. Subchapter V bankruptcy offers a structured path to reorganize that balance sheet.

Melissa A. Youngman
Jul 67 min read


Lake Mary and Heathrow: Subchapter V for Professional Services Firms
Professional services firms along the 417 corridor in Lake Mary and Heathrow face distinct Subchapter V considerations. Here is what consulting, financial, and tech firms need to know before filing.

Melissa A. Youngman
Jul 35 min read


Altamonte Springs & Longwood: Business Reorganization in Seminole County
Subchapter V bankruptcy gives Altamonte Springs and Longwood business owners a faster, lower-cost path to reorganization than traditional Chapter 11. Here is how it works in the MDFL.

Melissa A. Youngman
Jul 26 min read


Winter Park Business Bankruptcy: Local Considerations for Park Avenue Merchants
Park Avenue retailers and Winter Park business owners face a distinctive set of financial pressures: above-market commercial rents, seasonal revenue cycles, and a 90-day Subchapter V plan deadline.

Melissa A. Youngman
Jul 16 min read


Filing Subchapter V in the Middle District of Florida: An Orlando Attorney's Guide
Filing Subchapter V in the Middle District of Florida means navigating local rules, chambers practices, and trustee panel customs that national guides rarely cover. Here is what Central Florida business owners need to know.

Melissa A. Youngman
Jun 97 min read


Orlando Small Business Subchapter V: Who Files and Why
Orlando's hospitality, construction, healthcare, and professional services industries drive small business Subchapter V filings in the Middle District of Florida. Here's who qualifies and why.

Melissa A. Youngman
Jun 37 min read


Chapter 11 Plan Confirmation Standards: The 16 Requirements Under § 1129
Chapter 11 plan confirmation requires satisfying 16 statutory standards under § 1129(a). This guide covers the requirements Central Florida business owners and their counsel should understand.

Melissa A. Youngman
Jun 39 min read


Creditors' Committees: What They Are and How They Affect Your Case
Section 1102 creates an official unsecured creditors' committee in Chapter 11, but most small business cases in the Middle District of Florida proceed without one. Here is what it does and why it matters.

Melissa A. Youngman
May 276 min read


Disclosure Statements and Plan Voting in Chapter 11
Section 1125 governs disclosure statements in Chapter 11. Learn what adequate information means, how plan voting works, and when the process is streamlined or eliminated entirely.

Melissa A. Youngman
May 227 min read
bottom of page
