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The Law Office of Robert J. Warren, P.A. The Law Office of Robert J. Warren, P.A.
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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.

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We've Helped Many People in Your Shoes

See What They Have to Say!

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.

    “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.
    “took the time to meet with me in person was extremely patient and knowledgeable.”
    5.0 stars Posted by Evans I hired Mr. Warren to review a commercial lease for me at the recommendation of a friend. He took the time to meet with me in person was extremely patient and knowledgeable. With his guidance was able to avoid numerous pitfalls and negotiate terms that were to my advantage. I unreservedly recommend Mr. Warren.
    Evans
    “He is professional and is very knowledgeable. He was understanding of my situation.”
    “A friend recommended Mr. Warren to me and he has exceeded all that I expected.”
    Blanche Johns (Google review)
    “easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!”
    I recently used Robert Warren to help in the closing of my mom's home, and couldn't be happier with how it went. Robert and his assistant Lois were easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!
    C. Delatorre
    “Bob is an excellent lawyer”
    “I would recommend him to anyone with a credit or debt issues.”
    Melissa Murphy (Attorney)
    “We would definitely choose him all over again.”
    He was very knowledgeable polite and on the phone he kept us informed at all times never did we feel belittled for asking questions. After our case was filed he still made himself available for questions for life situations. if for some reason we found ourselves in a similar situation we would definitely choose him all over again.
    Karen
    “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
    “Robert Joseph Warren worked with me from start to finish, eliminated my unsecured debts”
    “Not only did he get my debts discharged, he also became a close business partner and friend.”
    Eddie T.
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