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Unsecured Creditor Treatment in Subchapter V: What General Unsecured Claims Actually Recover
Subchapter V plans pay general unsecured creditors what the debtor's projected disposable income permits over three to five years. How § 502, the best interests test under § 1129(a)(7), and § 1191(c) cramdown shape recovery.

Melissa A. Youngman
May 137 min read


Secured Creditors in Subchapter V: How Banks and Lenders Are Treated
Subchapter V plans treat secured creditors through reinstatement, cure, modification, or surrender. Section 506 valuation, the cramdown rules, and the section 1111(b) election shape outcomes.

Melissa A. Youngman
May 128 min read


Personal Guarantees and Subchapter V: Will Your Guaranty Survive?
Personal guarantees outlast a Subchapter V reorganization. This post explains why § 524(e) keeps guarantor liability intact, what the missing co-debtor stay means for owners, and what individual options exist.

Melissa A. Youngman
May 117 min read


Subchapter V Discharge: What Debts Survive Confirmation?
Subchapter V discharge timing and scope depend on whether your plan is consensual or nonconsensual. This guide covers § 1192, nondischargeable debts, and what Central Florida business owners need to know.

Melissa A. Youngman
May 87 min read


Projected Disposable Income in Subchapter V: How Payments Are Calculated
Under § 1191(d), a Subchapter V nonconsensual plan must commit all projected disposable income to payments. Here is how the calculation works for Central Florida businesses.

Melissa A. Youngman
May 67 min read


Nonconsensual Cramdown in Subchapter V: Confirming Over Creditor Objection
Section 1191(b) lets a Subchapter V debtor confirm a reorganization plan over creditor objection without satisfying the absolute priority rule. Here is how cramdown works in practice.

Melissa A. Youngman
May 58 min read


First-Day Motions in Subchapter V: Keeping Your Business Running
First-day motions determine whether a Subchapter V debtor keeps operating from day one. This guide covers cash collateral, wages, utilities, and critical vendors in the Middle District of Florida.

Melissa A. Youngman
May 46 min read


The Subchapter V Trustee: Role, Powers, and What to Expect
Every Subchapter V case includes a court-appointed trustee whose primary job is facilitating a consensual plan, not running the business. Here is what section 1183 requires and what to expect.

Melissa A. Youngman
Apr 287 min read


The Subchapter V Timeline: From Filing to Plan Confirmation
A well-prepared Subchapter V case in the Middle District of Florida can reach confirmation in four to six months. Here is what every stage looks like and what drives the timeline.

Melissa A. Youngman
Apr 277 min read


How to Choose a Subchapter V Attorney in Central Florida
Choosing the right Subchapter V attorney in Central Florida shapes your case from day one. Here are the experience markers, questions, and red flags that matter in the MDFL.

Melissa A. Youngman
Apr 246 min read


How the Subchapter V Debt Cap Works: What Counts Toward the $3,424,000 Limit
The Subchapter V debt cap decides, on the petition date, whether a Central Florida small business can use Subchapter V at all. Here is how contingent, unliquidated, insider, and disputed debts count toward the $3,424,000 limit.

Melissa A. Youngman
Apr 227 min read


Subchapter V vs. Chapter 11: Which Bankruptcy Option Fits Your Business?
Subchapter V and traditional Chapter 11 side by side: eligibility under the 3,024,725 dollar debt cap, timeline, cost, creditor control, the absolute priority rule, and discharge for Central Florida business owners.

Melissa A. Youngman
Apr 219 min read
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