Anne-Marie Bowen - Lawyer in Orlando, FL

Anne-Marie L. Bowen

Bankruptcy and debt Attorney at Orlando, FL

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Interviewed several attorneys, thank God I chose Attorney Bowen

If you are reading these reviews you, or a loved one, is in a very scary place and you want to make sure you make the correct decision when you select an attorney. I too was in that very place not too long ago. Based on the reviews on AVVO I decided to talk with Attorney Bowen. I knew from the moment I met her she actually cared about me and my situation, she knew I was scared and really needed help. It didn't take me long to decide to go with her and I am so glad I did, once I signed the documents I even felt an immediate sense of relief knowing I was taking action in the best way possible. I was a complete mess, yet Attorney Bowen and her incredible staff was able to break everything down into small chunks I could chip away at so we could file properly. At the end of it we achieved the result we wanted and I am currently building back as opposed to stagnating in fear. I distinctly remember last Thanksgiving, when I was reflecting on what I was most thankful for....outside of God, family and health, Attorney Bowed was up at the top of the list. I hope you chose Attorney Bowen, she will help you, fight for you, and be there for you. I wish her and her staff nothing but the best and if anyone I know ever needs her services I will HIGHLY recommend her.

Attorney Anne-Marie Bowen gave me my life back.

Shortly after being widowed, I incurred medical problems that used up my husband’s retirement and our IRA. I wasn’t on Medicare at that time and just watched our money disappear. I was finally able to return to work but eventually lost my job. I struggled for a long time to hold onto our home and worked long hours at several different jobs just to maintain it. It was a losing battle. I couldn’t get help from the bank or HARP or any other hardship programs. I tried various times for payment plans or other financial tools with the bank but was always met with a no. The only way to hold onto my home was to file bankruptcy and make mortgage payments through a Trustee of the Court. Anne-Marie made the process bearable. She guided me to the right program and led me through the entire process. There were no surprises, financial, in fees or information. Everything that you read about her is true: she is well experienced, professional, an expert communicator and responsive. But there’s so much more in dealing with her. I felt safe and knew I could trust Attorney Bowen and her staff. Having researched other attorney groups and individuals, I found I would only be a number or a case file sitting in a stack of files on someone’s desk. Trust and personal attention are important when dealing with such life-changing financial and personal problems. I had no other debt and was only dealing with trying to hold onto my home which seemed to be a difficult concept for some attorneys to understand. Attorney Bowen understood the situation and is well experienced in all kinds of bankruptcy procedures. When I sold my home a year or so later, Anne-Marie was there for me, too. Not as a real estate attorney, but to guide and ease the way through the bankruptcy process and entanglement with the bank and the buyers. You never know what will happen and you might be scared and unprepared to deal with it. With Anne-Marie, you have a trusted advocate on your side. Respected by her peers, she is well known by the courts, is always responsive and communicative and went the extra mile to help me and look out for my interests. I now have a clean slate and a good life thanks to Attorney Anne-Marie Bowen.

About Anne-Marie

Learn Anne-Marie’s areas of practice.

Practice areas

Bankruptcy and debt

50%

31 years
Chapter 13 bankruptcy

20%

31 years
Chapter 7 bankruptcy

20%

31 years
Debt settlement

5%
Probate

5%

Wills and Probate-mostly for Church friends and family

Bankruptcy is often a good way to stop foreclosures, harassment by bill collectors and to erase unpayable debts. Many people are experiencing housing and employment problems right now in these difficult economic times.

Bankruptcy may not be the only way out. Attorney Bowen began her law career representing banks and creditors. At that time she found that people experiencing financial problems need good legal representation.

With all the talk about Bankruptcy, you may be wondering what options are available? Most ordinary people, whether it is one spouse filing Bankruptcy alone or a husband and wife filing jointly, fall into either Chapter 7 or Chapter 13.

Chapter 7 is known as a “Liquidation.” Most all of the debts are simply "wiped out" in a Chapter 7. In exchange for the “fresh start” with a clean financial slate, some debtors (people filing Bankruptcy) must give up some assets.
Chapter 13 is known as a “Reorganization” for individuals. It helps consolidate their debts into one monthly payment. Creditors (people to whom money is owed) are paid either in full or partially over a three or five year period. At the end of the repayment period, most debts not paid off in full, are discharged anyway.

Your situation matters and Anne-Marie Bowen isn't just another attorney, she's your ally. "I help people in financial distress find peace." Call today to sit down and discuss your situation especially when creditors won’t work with you, or you are too far gone financially.

Photos and videos

Licensed for 35 years

State FL

Status Member in Good Standing

Acquired 1987

Updated 11/23/2022

We have not found any instances of professional misconduct for this lawyer.

Contact Anne-Marie

Anne-Marie L. Bowen, P.A.

816 N. Thornton Ave.

Orlando, FL, 32803

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Reviews

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4.9 / 5.0

56 customer reviews

5 Star

96%

4 Star

3 Star

2 Star

1 Star

Posted by anonymous | April 27, 2022

Interviewed several attorneys, thank God I chose Attorney Bowen

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Posted by Donna | January 5, 2022

Attorney Anne-Marie Bowen gave me my life back.

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Posted by Jennifer | October 7, 2021

Forgive Us Our Debts...

Anne-Marie is a wonderful person who make s a wonderful attorney. She has a kind and compassionate way about her that helps put people at ease when discussing financial troubles that are typically are embarrassing to discuss. She also has written a book about Christians and bankruptcy that I found particularly insightful and helpful called Forgive Us Our Debts.

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Response from Anne-Marie Bowen October 27, 2021

Thank you so much for you kind words. I'm so glad my book, Forgive Us our Debts: When is it Okay for Christians to File Bankruptcy?, was helpful. I really appreciate you!

Posted by Daf | September 8, 2021

Efficient, Intelligent, and Compassionate!

I could not have been more impressed with Anne-Marie Bowen's professionalism, work ethics, understanding, and compassion. Not only a brilliant attorney, but a wonderful person. Would highly recommend.

Response from Anne-Marie Bowen September 9, 2021

Thank you very much for your kind words! It was my pleasure to help you and your family.

Posted by K.D. | April 19, 2021

Excellent experience!

Ms. Bowen was fantastic from the very first meeting and I couldn't be happier with choosing her in one of the hardest decisions of my life. She was kind, courteous and most of all extremely professional. I always felt like I could contact her and her office staff with any questions or concerns and they always got back to me in a timely fashion. You can't go wrong in making the decision to utilize her services.

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Response from Anne-Marie Bowen April 20, 2021

Thank you so much for allowing us to serve you. You were a great client to work with, and I'm so glad we were able to help get you to a place of financial peace.

Posted by anonymous | January 9, 2021

Great Attorney

I had a consultation with Attorney Bowen and was extremely impressed. She was very informative and answered all my questions. Also her staff was very helpful and made you feel very comfortable. I would highly recommend Attorney Bowen.

Response from Anne-Marie Bowen April 20, 2021

Thank you very much. I'm glad we were able to help you.

Posted by Steven | November 26, 2020

Superb Service and Professionalism

Five stars is not enough to rate the incredible service that I received from Mrs. Bowen and her staff. Mrs. Bowen came highly recommended to me and I could quickly see why. Throughout the entire process, Mrs. Bowen and her staff were responsive, professional and proficient. I give Mrs. Bowen and her staff my most thankful and heartfelt recommendation.

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Response from Anne-Marie Bowen December 4, 2020

Thank you, Steven. We appreciate you so much. I am grateful we could help you.

Posted by Ann | October 20, 2020

Hiring this Attorney

I have never written a review for anyone before, but I feel compelled to write this one. When I walked into Attorney Bowen's office, I was fearful and had no hope there was anything she could do for me. She was not the typical lawyer I was expecting. I could tell by the way she approached my situation, that she was genuinely concerned. There's a saying in my field of teaching - that kids can tell if you really care about them. I felt almost immediately that Attorney Bowen was real and did care about me. I'm not sure lawyers know this, but most people are not sure they can really trust a lawyer when they walk into their office. Interestingly enough, her assistant was the reason I chose Attorney Bowen over another lawyer. Her assistant was kind and I could hear empathy and concern in her voice when she corresponded with me. Attorney Bowen's knowledge of the law and her expertise in the area of bankruptcy was evident. She listened, devised a plan, explained how to proceed and how the court would view my situation. Her desire to help hurting people was also evident and that confirmation is what convinced me that I had chosen the right attorney. Not only could I tell she wanted to help lift the burden of financial ruin, but also wanted to help lift the burden of stress and heartache I was experiencing. As I left Attorney Bowen's office I knew that when I turned my financial hardship over to God, that he was walking beside me as he led me to a lawyer with a servant's heart. I am thankful for Attorney Bowen and her willingness to help people who have given up. She helped me realize there is always hope. Thank you Attorney Anne-Marie Bowen for acknowledging and accepting your true calling in life. You are exceptional in your calling. I highly recommend Attorney Bowen. She is honest, compassionate, and very professional in her understanding of the law. I would not want to go through this process without an attorney like Mrs. Bowen who is highly knowledgeable in the field of law and truly cares about her clients.

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Response from Anne-Marie Bowen December 4, 2020

Thank you so very much for this amazing review. I am so glad you came to us and am happy we can help you with your difficult situation. I'm always glad when I can help give someone peace of mind.

Posted by anonymous | August 25, 2020

Top Of The Line Attorney

Anne-Marie is very personable, responsible, and happens to be a great lawyer. I sought out the best bankruptcy attorney in Orlando, and I'm glad I found her. My case was unusual and required a seasoned attorney. Her attention to detail and expertise during the filing process led to the absolute best outcome. I highly recommend Attorney Bowen, she's honest and works with a great team.

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Response from Anne-Marie Bowen August 26, 2020

Thanks very much! I'm so glad we could work together to resolve things favorably for you. It was our priviliege to help you.

Posted by CLF | July 2, 2020

Incredible, Wonderful, Outstanding....The Very Best!!!

Attorney Bowen has been practicing Bankruptcy law for over 20 years. She came very highly recommend by another attorney friend. She was even better than her recommendation. She even found the best possible outcome through her wisdom and vast knowledge of the law. I wouldn't recommend anyone but her!!!

Response from Anne-Marie Bowen July 8, 2020

Thank you so much! I really appreciate your endorsement, and want you to know how much I enjoyed working with you, too.

Posted by anonymous | June 25, 2020

Excellent

Mrs Anne Marie Bowen has proven to be a very responsible and knowledgeable lawyer. Very organized and was able to answer all of my concerns In a precise and concise matter, in a very short period of time or at the latest the following day. Very reasonable and won’t take advantage of you Recommending only what was needed and nothing more. Would definitely recommend.

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Response from Anne-Marie Bowen June 26, 2020

Thank you so much for this kind review. It was my pleasure to help you!

Posted by Juan Lara | June 17, 2019

Helpful and Quick to Respond

She clearly explained what chapter of bankruptcy we needed when we had several properties on foreclosure right when we decided to homeschool due to safety concerns of our special needs children. Throughout the seven years she helped us, she quickly replied to all our questions, sent timely reminders during tax season and even gave us the unexpected good news of being able to keep some of our tax refund by making sure we submit every single expense we might have overlooked. She was a huge blessing to our family in our time of need. I recommend her service to anyone that might need it. She will make the bankruptcy process a lot less scarier.

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Response from Anne-Marie Bowen July 15, 2019

Thank you so much! It was our pleasure to help you and your family. I wish you all the best.

Posted by Johnson | January 21, 2019

Above and Beyond!

Anne-Marie Bowen and her staff went above and beyond with our unusual and very challenging case. She worked with an impossible timeline and made the entire process as smooth as possible. Extremely professional and explained the process and what to expect in detail. We could not be happier. Highly recommend! Thank you Anne-Marie! -The Johnson Family

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Posted by Greg | August 10, 2018

Anne-Marie Bowen: Simply The Best!

I met with 2 bankruptcy attorneys before I chose Anne-Marie Bowen to represent me in my Chapter 7 bankruptcy. Not only is she a true, knowledgeable professional that has worked on numerous bankruptcies, she really has a heart of gold and cares deeply about you as a client. Bankruptcy can be a sad, emotional, last resort decision. Ms. Bowen understands how difficult it can be and stood by me, from the initial consultation, to the hearing at the federal court. I had many questions about my property, possessions and creditors that Ms. Bowen gladly helped me understand. At the Creditor's Meeting, it was obvious that she is a very well respected attorney in the Middle District Court of Florida. Ms. Bowen really understands the law. It's been my honor to have her expertise and compassion during my case. I highly recommend Ms. Bowen to anyone having financial problems; she truly cares!

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Posted by Emma | August 10, 2018

WITH NO DOUBT, SHE IS THE BEST, PROFESSIONAL, DOWN TO EARTH AND SO KIND

English isn't my first language. Attorney Bowen made sure I understood every single option and details of the process by taking extra time to explain to me, literally EVERYTHING. You won't be disappointed if you give her a chance to cure your financial distress. She would make your problem go away with a peace of mind. You will definitely get more than your money's worth. I can't say enough to thank her for what she has done for my and my family. With her professional legal advice, honest and caring guidance, you will see the light at the end of the road. HIGHLY RECOMMENDED!

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Posted by anonymous | July 25, 2018

Top Notch Passionate Attorney during Difficult Times-Compassionate

We cannot say how much Anne Marie and her assistant Tara have made us feel. We have never had to experience a bankruptcy in our lives but due to a medical disability and medical expenses we could not pay our bills any longer. Anne Marie and her staff make you feel not ashamed of what is going on with our lives yet she is also strong in her faith like us so that was very important to us. Any and all questions we have, they have answered and never made us feel like we were being a nuisance. We would highly recommend her firm and her services and you will be so fortunate you did. We had tried to contact numerous attorneys but it was their caring and compassion that convinced us. We are very fortunate to be working with her and if we could give her higher than excellent we would. We strongly encourange anyone going through such a difficult decision, please make an appt. and speak with her. You will be glad you did because she takes so much time to explain the process. We are indeed blessed to have found her office.

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Posted by John | July 16, 2018

Professional and thorough

Ms. Bowen and her office agreed to take on my case after a failed start which was initiated by a different firm. Ms. Bowen scheduled a consultation, reviewed the case, offered suggestions and was compassionate and understanding of the situation leading to our meeting. My case had a number of difficulties to overcome, Ms. Bowen and her staff stayed on top of every detail, doing an excellent job of representing my interests at every turn. Throughout the process, I greatly appreciated her honesty and professional manner. Her confidence and knowledge helped ease my stress and made the case seem possible, I knew there would be a positive resolution in the end. Simply put, a job well done!

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Posted by Cameron | September 19, 2017

Great Process and Results

Ms. Bowen was referred to me by an attorney friend from out of state. The recommendation did not disappoint. My bankruptcy was complex as it was the result of a failed business. She walked me through the process, was extremely thorough, and ensured that I understood and was comfortable throughout the process. I am a demanding client and can say that she delivered. She excelled at all of the qualities that were important to me as my legal representation; she exhibited great communication skills, was inquisitive, she did her homework, and was very knowledgeable. The results were the best possible judgement in my favor.

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Posted by Ron | August 2, 2017

Top Shelf Professional and Very Sensitive to Your Situation

Personal bankruptcy for me was very disappointing, degrading and embarrassing!!! Anne-Marie not only did a first class job representing me, but also has a "great bed side manner" for an Attorney. She is obviously well respected and known to the Bankruptcy Trustees, clerks and Judges. Highly recommend!!!

Posted by T. | June 17, 2017

Beyond professional, insanely brilliant, and ever so kind

Mrs. Bowen and her team are the best! When in need of an attorney, she is a choice you will never regret. The women is beyond brilliant yet so kind and genuine. She tells it like it is and her efficiency is so appreciated.

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Cost

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AVVO RATING 10.0 (Superb)

Work Experience

Attorney/Owner
Anne-Marie L. Bowen, P.A.
1994 - Present

Attorney
Federal Deposit Insurance Corporation
1991 - 1994

Senior Associate Attorney
Private Practice
1987 - 1991

Education

The Florida State University College of Law
JD - Juris Doctor
1987

Oxford University (England)
1985

Florida State University
BS - Bachelor of Science
1984

Legal Cases

In Re: Manning
Ch. 13 Case Confirmed with $175k erased from home debt

In Re: Peterson
More than $100,000 in mortgages lien stripped

In Re: Adams
Individual Ch. 11 Confirmed

View all legal cases

Associations

Catholic Lawyers Guild of Central Florida
Board Member, Officer: Treasurer; Vice President
2018 - Present

National Association of Consumer Bankruptcy Attorneys
Member
2005 - Present

Christian Legal Society
Member
2000 - Present

American Bankruptcy Institute
Member
2000 - Present

United States Supreme Court Bar
Member
1999 - Present

United States District Court for the Southern District of Florida (Trial Bar)
Member
1994 - Present

United States District Court for the Southern District of Florida (General Bar)
Member
1990 - Present

Eleventh Circuit Court of Appeals Bar
Member
1989 - Present

United States District Court for the Middle District of Florida
Member
1987 - Present

United States Bankruptcy Court, Middle District of Florida Bar
Member
1987 - Present

Florida Bar
Member
1987 - Present

Bishop Moore C.H.S.
Director
2012 - 2019

Central Florida Bankruptcy Law Association
President
2006 - 2007

Central Florida Bankruptcy Law Association
Director
2005 - 2007

Central Florida Bankruptcy Law Association
Treasurer
2005 - 2006

Orange County Bar Association, Bankruptcy Law Committee
Chairman
2002 - 2003

Local Rules Committee of the Bankruptcy Court
Member
2001 - 2007

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Languages Spoken

English

Honors and Awards

Florida Legal Elite
Florida Trend Magazine
2021

Florida Legal Elite
Florida Trend Magazine
2020

Florida Legal Elite
Florida Trend Magazine
2019

Florida Legal Elite
Florida Trend Magazine
2018

Florida Legal Elite
Florida Trend Magazine
2017

Florida Legal Elite
Florida Trend Magazine
2016

Florida Legal Elite
Florida Trend Magazine
2015

Florida Legal Elite
Florida Trend Magazine
2014

Judicial Appointment to Local Rules Committee
Bankruptcy Judges
2006

Judicial Invitation to 11th Circuit Judicial Conference
Bankruptcy Judges
2003

Special Achievement Award
Federal Deposit Insurance Corporation
1994

Fellowship
Policy Studies Clinic
1987

Book Award
Florida State University
1987

View all awards

Publications

Afresh Publishing
Book: Forgive Us Our Debts: When is it Okay for Christians to File Bankruptcy?
2018

Ask a Lawyer-Orlando Sentinel
The Law & You
2009

The NACTT Academy for Consumer Bankruptcy Education
The Face of Ch. 13
2008

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Speaking Engagements

Orange County Bar Association
Bankruptcy Basics for Business Lawyers including Subchapter V of Ch. 11
2021

53rd Annual NACTT Conference
Significant Recent Creditor-Favorable Decisions which Creditors Must Know About and Debtors Should be Watching
2018

Orange County Bar Association Bench/Bar Conference
Nuts and Bolts of Bankruptcy for the Non-Bankruptcy Practioner
2016

FAMU Law School
Ch. 13 from the Debtor's Attorney Perspective
2013

Don't be Afraid of Ch. 13
Getting your Client's Case to Completion
2012

Fla. Realtors' Annual Mid-Winter Business Meeting
Consumer Bankruptcy Information for Realtors
2011

Foreclosure Prevention Workshop
Bankruptcy and Foreclosure
2011

Real Estate Law Symposium
Consumer Bankruptcy
2010

Rollins College MBA Program
Consumer Bankruptcy Basics
2010

Foreclosure Avoidance Workshop
Bankruptcy Basics for People Facing Foreclosure
2008

Resource Meeting
Credit and Bankruptcy
2007

ABI Southeast Bankruptcy Workshop
Ethics In Bankruptcy
2006

Central Florida Bankruptcy Law Association
Consumer Bankruptcy
2005

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Attorney endorsements

Received (15)

Given (23)

Endorse Anne-Marie

Leonard Boyer

Bankruptcy and debt Attorney | Dec 29
Relationship: Fellow lawyer in community

"I endorse this lawyer. Ms. Bowen is a very knowledgeable and effective advocate for her clients."

Robert Anthony

Bankruptcy and debt Attorney | Jan 12
Relationship: Worked together on matter

"I endorse this lawyer. I have worked on cases with Anne-Marie Bowen and I have referred consumers to her over many years. She is an excellent bankruptcy attorney and she has tremendous people skills helping consumers through the very difficult time of obtaining bankruptcy relief."

Aubrey Ducker

Bankruptcy and debt Attorney | Aug 10
Relationship: Fellow lawyer in community

"I have known Anne-Marie for more than 20 years. She is well known in the courts and well respected by her peers. Most of all, Anne-Marie is an attorney who HELPS people in all circumstances and that is why, I endorse this lawyer."

Charles Price

Bankruptcy and debt Attorney | Jun 07
Relationship: Fellow lawyer in community

"I've known Anne-Marie for many years. She is one of the most caring and professional attorneys that I know. Her clients lover her - and for good reason! I highly endorse her."

Richard Sierra

Bankruptcy and debt Attorney | Jun 03
Relationship: Fellow lawyer in community

"It is my pleasure to endorse my colleague and friend Ann-Marie Bowen. I’ve had the pleasure to know her for several years through various conferences and she is a very compassionate person who looks out for her clients’ best interest during difficult financial times. I highly recommend her services!"

Ron Bilu

Bankruptcy and debt Attorney | May 27
Relationship: Fellow lawyer in community

"Anne-Marie Bowen is that rare lawyer who takes a client-centered approach to her profession. Her concern for her clients' well-being is balanced with a comprehensive knowledge of her field, and that is a formidable combination. For these reasons, I firmly endorse this lawyer."

Dorothy Bunce

Bankruptcy and debt Attorney | May 18
Relationship: Fellow lawyer in community

"I had the pleasure of sitting next to Bankruptcy Attorney Anne-Marie Bowen at a recent legal education event. I was surprised to discover how much nicer she was than I am and appreciated her wealth of knowledge relating to issues of mortgage modification and bankruptcy practice. I made a new friend."

Kristen Jackson

Unknown Attorney | Jun 13
Relationship: Fellow lawyer in community

"I endorse this attorney. I have known this attorney for many years. Having followed her career and consulted with her on matters of bankruptcy law, I find her personable, professional and extremely knowledgeable. She is a great contribution to our legal community."

Lynn Aust

Bankruptcy and debt Attorney | Jul 23
Relationship: Friend

"I endorse this lawyer. Anne-Marie is the only bankruptcy attorney that I refer clients to...she is very smart and equally caring."

Thomas Marks

Bankruptcy and debt Attorney | Apr 08
Relationship: Friend

"I endorse this lawyer. I've known Anne Marie for many years. She is bright, personable, and a very well-respected bankruptcy attorney. I heartily endorse her."

K. Goff

Bankruptcy and debt Attorney | Apr 04
Relationship: Fellow lawyer in community

"Anne-Marie is one of the most respected bankruptcy attorneys in Orlando, and for good reason."

Christian Lassen

Unknown Attorney | Mar 15
Relationship: Fellow lawyer in community

"Top-notch attorney. Highly respected in the legal community."

Steven Fahlgren

Chapter 13 bankruptcy Attorney | Sep 26
Relationship: Fellow lawyer in community

"I wholeheartedly endorse this lawyer. Ann-Marie has been practicing bankruptcy law a very long time and is on top of her game. Before I began filing cases for my own clients, I most often referred bankruptcy clients to her because I knew that she would take good care of them and those I referred would often give me very positive feedback. I have never received negative feedback when it came to my referrals to her. If you want an attorney passionate about helping people in bankruptcy, you cannot go wrong with Ann-Marie Bowen. When I think of good bankruptcy attorneys in Orlando for consumers, she comes to mind."

Todd Budgen

Bankruptcy and debt Attorney | Mar 09
Relationship: Fellow lawyer in community

"Anne-Marie is a thorough thoughtful capable attorney who does a good job looking after her client's interests."

Lori Patton

Bankruptcy and debt Attorney | Apr 15
Relationship: Fellow lawyer in community

"Anne-Marie is a well established member of the local bankruptcy community. She is active in the local bar and has been instrumental in making the profession and practice the pleasure that it is today. Her clients are well-served and lucky to have her!"

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