Access Deltona Bankruptcy Records

Deltona bankruptcy records are filed through the U.S. Bankruptcy Court for the Middle District of Florida, Orlando Division. Deltona is a city of about 100,500 people in Volusia County, located between Orlando and Daytona Beach. Bankruptcy filings from Deltona residents are public records. You can search them online through PACER, by phone using VCIS, or in person at the Orlando federal courthouse. The Volusia County Clerk of Court keeps related civil records that may tie to local bankruptcy cases.

Deltona Bankruptcy Court and County

Deltona is in Volusia County. All bankruptcy cases from Deltona go to the Middle District of Florida. The Orlando Division handles filings from Volusia County residents. The federal courthouse is at 400 W. Washington Street, Suite 5100, Orlando, FL 32801. You can call (407) 237-8000 for general information about filing or case status.

The Middle District of Florida bankruptcy court has divisions in Orlando, Tampa, and Jacksonville. Deltona falls under the Orlando Division. That means hearings and meetings of creditors take place in Orlando. The drive from Deltona to the Orlando courthouse is about 40 minutes south on I-4.

Under 11 U.S.C. Section 109, you need to live in the district or own property there to file. Deltona is in the Middle District, so residents file at the Orlando Division. The court website has local rules, filing instructions, and all the forms you need.

Volusia County Clerk of Court

The Volusia County Clerk of Court is Laura E. Roth. The office is in DeLand, the county seat. While bankruptcy is a federal process, the county clerk keeps civil records that often relate to bankruptcy filings. Judgments, liens, foreclosures, and debt collection cases from Deltona pass through this office.

You can reach the Volusia County Clerk at (386) 736-5915. The Volusia County Clerk website has online tools to search civil cases, recorded documents, and court dockets. These are state court records, not bankruptcy files. But they show related matters like a foreclosure that was stayed by a bankruptcy filing in Deltona, or a judgment lien that needs to be addressed in the case.

The screenshot below shows the Deltona city government website at deltonafl.gov.

From the city site you can find local government contacts and community service information that may help Deltona residents dealing with financial hardship.

Deltona Bankruptcy Courthouse

Deltona does not have a federal bankruptcy courthouse. Residents go to the George C. Young Courthouse in Orlando. The drive south on I-4 takes about 40 minutes in normal traffic, though rush-hour delays can add time. The Orlando courthouse is in the downtown area near Church Street.

All filings, hearings, and meetings of creditors for Deltona residents take place at this Orlando location. Paid parking is available in garages near the courthouse. SunRail commuter rail has a station in downtown Orlando as well. Bring a valid photo ID and your Social Security card whenever you visit the court.

Search Deltona Bankruptcy Records Online

There are three ways to look up Deltona bankruptcy records. PACER is the fastest online tool. VCIS is free over the phone. And you can visit the Orlando courthouse to use public terminals.

PACER is the federal court electronic records system. It covers all courts, including the Middle District of Florida. You need a free account to start. Search by name, case number, or Social Security number. Fees are $0.10 per page, capped at $3.00 per document. Under $30 per quarter, and fees are waived entirely. Under 11 U.S.C. Section 107, bankruptcy files are public records. Anyone can access them.

VCIS is the Voice Case Information System. Call 1-866-222-8029 at any time. The automated system is free and gives you the case number, filing date, chapter type, and case status. No account needed. This is the quickest way to check if a Deltona resident has a bankruptcy filing on record.

The Orlando courthouse has public access terminals where you can search and view Deltona bankruptcy files at no charge. The clerk's staff can help you find specific documents. Bring a photo ID. You can also get copies of filings at the clerk's window for a small fee.

Filing Bankruptcy in Deltona

Deltona residents file at the Orlando Division. Chapter 7 costs $338 and wipes out most unsecured debts. You may have to give up some property that is not exempt under Florida law. Chapter 13 costs $313 and sets up a repayment plan that runs three to five years. The court can approve installment payments on the filing fee if you demonstrate financial hardship.

Before you file, credit counseling from an approved provider is required. The U.S. Department of Justice maintains the list of approved agencies for the Middle District. This must happen within 180 days of your filing date. You also need to gather tax returns, pay stubs, bank statements, and a complete accounting of your debts and assets.

Filing triggers an automatic stay under 11 U.S.C. Section 362. Creditors must stop all collection efforts immediately. No calls, lawsuits, wage garnishments, or foreclosure proceedings while the stay is active. The court will set a meeting of creditors about 30 to 45 days out. You can download all official forms from the U.S. Courts website.

A Chapter 7 discharge under 11 U.S.C. Section 727 eliminates personal liability on qualifying debts. Some debts remain. Child support, alimony, student loans, and certain taxes are not dischargeable under 11 U.S.C. Section 523. An attorney can help you sort out which debts will survive and which will be wiped clean.

Deltona Bankruptcy Legal Resources

Florida Legal Services offers free legal help to low-income residents statewide. They serve Deltona residents and can advise on whether filing makes sense for your situation. Community Legal Services of Mid-Florida also serves the Volusia County area and may help with bankruptcy-related civil matters.

The Florida Bar runs a lawyer referral service that covers Deltona and Volusia County. You pay a small fee for a first meeting with a bankruptcy attorney. Many lawyers in the Orlando and Daytona Beach areas handle Deltona cases and offer free initial consultations. If you plan to file without a lawyer, the Middle District court has pro se forms and step-by-step guides on its website.

Florida's homestead exemption protects your primary residence with no cap on value in bankruptcy, as long as the property meets the size requirements. For a Deltona homeowner, this can be a major protection. Even a brief consultation with an attorney can help you understand how Florida's generous exemptions apply to your property and other assets.

Nearby Cities

These Florida cities are near Deltona. Each has its own page with local bankruptcy court info and resources for that area.