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.