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.

“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
“Mr Warren is an exceptional lawyer!”
We are so appreciative to Mr Warren and his associate Lois with their help in selling our house. Their expertise in legal matters and in handling all situations involved gave us peace of mind! Thank you again for all your help!

Hector and Debra
“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
“Robert managed to help so much in relieving the stress we were in. His assistance and dedication for us made our process much easier than expected.”
Robert managed to help so much in relieving the stress we were in. His assistance and dedication for us made our process much easier than expected. He took care of the small details other neglected to put the time and efforts to solve. He made us feel like we are in good hands and in the end we were. We are really thankful for his hard work. Highly recommend him for real estate assistance and guides.

Judy Michalson
“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
“His expertise and experience are unmatched.”
“I highly recommend Mr. Warren.”

J. Silverman (Attorney)
“All 5 Stars for Robert J Warren and the service he provided for our Real Estate Sale.”
“...thorough, efficient, and always answered my questions in record time.”

D. Sheu
“He is the most personable, competent and most accessible lawyer that my husband and I have ever worked with.”
Robert was excellent to work with. He is the most personable, competent and most accessible lawyer that my husband and I have ever worked with. Not only did Mr. Warren do the job we asked him to do, he made himself available to answer any questions or concerns we had along the way. His expertise and genuine care for the client is why we will work with him on our next venture. We 100% absolutely recommend him for legal advice.

Dana Rio

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