Bankruptcy

Bankruptcy

Gainesville Bankruptcy Attorney Serving North Florida

As an attorney who has been in practice since 1987, I have personally assisted thousands of clients in Gainesville, Ocala, Lake City, Starke, Cedar Key, Palatka, High Springs, Keystone Heights, and the surrounding areas. I offer knowledgeable and experienced professional guidance and representation in bankruptcy and related types of financial distress matters with personalized attention throughout the duration of your legal matter. Because of my outstanding legal service to my clients, I have received the Avvo Client's Choice Award and am BV rated by Martindale-Hubbell (signifying "Very High Legal Ability & Ethical Standards."

To learn more about the legal services I offer, please click on the highlighted topics below. You will be directed to additional pages of helpful information.

Practice Areas

Chapter 7
A Chapter 7 personal bankruptcy is also known as liquidation or a straight bankruptcy. This type of bankruptcy filing is the most common, the fastest, and applies to both individuals and married couples who are in a position where they cannot pay back the debts they owe. Specific requirements must be met to qualify for a Chapter 7.

Debt Settlement
Debt settlement generally involves negotiation with your creditor for a reduction in the overall balance you owe which is then paid in a lump sum. This is not the same as debt consolidation or debt management where you make monthly payments to a consolidator. Debt settlement generally applies only to unsecured debt, such as credit card debt, medical bills, and personal loans.

Lien Stripping
If the value of your home has fallen below what you owe on your first mortgage, your second or third mortgages may be able to be eliminated through lien stripping in a bankruptcy case. This can be of great value to those who are trying to save their home but are struggling with second mortgages.

Mortgage Modification
Mortgage modification involves negotiating a change in the terms of your home loan in order to make it more affordable. This may involve a lowered interest rate, term, or monthly payment; getting experienced legal guidance can facilitate this process. Mortgage Modification Mediation in bankruptcy has achieved a success rate approximately 70% higher than modification efforts outside of the bankruptcy process.

Foreclosure
If you have fallen behind on your mortgage payments for a period of time, you may be facing a potential foreclosure. The average length of time the process may take is approximately six months or more. To learn what your legal rights and options are, get professional legal guidance from an attorney who practices foreclosure defense.

Contact my firm to arrange for a free consultation concerning debt relief options that apply to you. Learn about your legal rights, how you can resolve your financial crisis, and move towards a better future.

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At The Law Office of Robert J. Warren, P.A., your satisfaction is our priority! See for yourself what our clients have to say about working with us.

“Mr. Warren was very caring and went above his job to help me.”
“He lets you know up front what is going to happen.”

Linda
“Robert Warren is an excellent Real Estate attorney.”
Robert Warren is an excellent Real Estate attorney. He and his team are always on the ball, communicate between the seller, buyer, and mortgage company very well, and they are timely in their work. I have sold a house and refinanced another house both with Robert and I can't say enough good things about him and his office. He's thorough and will make sure that nothing is 'fishy' in the mortgage paperwork. He will also hammer the mortgage company to get things right. His office also does title work so I highly recommend using Robert's office as the title company and the closing agent on a mortgage. Very reasonably priced and excellent at their job. I will go to them, and no one else, for as long as he's in business. Thanks again Robert and crew!

J. Smith
“My estate settlement went swimmingly thanks to Robert.”
Robert helped me with the sale of my home. This man was so knowledgeable he practically handled the whole thing for me. Not to mention his secretary is an absolute delight, so courteous and polite. Robert is the most phenomenal lawyer I've ever had to pleasure of working with.

Daniel
“Exceptional attorney!”
Mr. Warren is knowledgeable and honest. His rates are reasonable and fair. His dedication and tenacity resulted in a very favorable outcome in my real estate case. I would highly recommend him without hesitation and would definitely use his services again.

Rechelle
“He quoted me a single price and stuck to it, even when he had to do extra.”
“My experience with Robert was great”

Raymond Ledford (Google review)
“Bob is an excellent lawyer”
“I would recommend him to anyone with a credit or debt issues.”

Melissa Murphy (Attorney)
“He made a tough situation, smooth”
I had a real estate situation needing legal help. He seemlessly solved the issues and the transition was professional and done quickly. I would go back to him again and again.

Dawn W.
“Highly recommend. Robert made the sale of my condo a breeze.”
Highly recommend. Robert made the sale of my condo a breeze.

G. Haven

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