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.

“I would highly recommend Robert Warren for any real estate transactions, title work, and closings that may crop up in your future.”
“ I was very impressed with the overall results.”

Lloyd Kerr, Real Estate Agent
“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 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
“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)
“He walked me through one of the most difficult times in my life...”
“This by no means was easy but Mr. Warren made it feel extremely comfortable.”

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

G. Haven
“Mr. Warren is an outstanding attorney.”
Mr. Warren is an outstanding attorney. He helped me on multiple real-estate matters that were fairly complicated. His advice was excellent, he advocated for my interests, and he was highly responsive. I am grateful for his efforts and intend to use him in the future again.

S. Kiousis
“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

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