Our Services

How We Can Help You

Filing for Bankruptcy in Jacksonville, FL 

Living with debt can be stressful. When you fall behind on payments, you will likely start receiving angry calls from creditors. Sooner or later, you will face threats of foreclosure, repossession, collection lawsuits, or wage garnishments. Filing for bankruptcy can help you avoid these outcomes.

If you are struggling with seemingly insurmountable financial difficulties, our firm is ready to help. Our attorney at The Law Offices of David C. Meltzer, PLLC has nearly a decade of experience and can work closely with you to evaluate the specifics of your financial situation to determine what type of bankruptcy is right for you. We are committed to delivering the debt relief solutions you need to retake control of your life and secure a fresh financial future. 

You do not have to face your debt alone. Get the help and guidance you need from The Law Offices of David C. Meltzer, PLLC by calling (904) 418-7454 or contacting us online.

LEARN MORE ABOUT Bankruptcy & foreclosure

Frequently Asked Questions

Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 904-418-7454 today!

  • What Kind Of Debt Is Dischargeable?
    Almost all debts are dischargeable. Student loans, most taxes, and Domestic Support Obligations cannot be discharged. As a general rule all other kinds of debts are dischargeable.
  • What Is A Discharge?
    A discharge is typically entered toward the end of a bankruptcy case and is an order signed by a Federal Judge. This order states that the person who filed bankruptcy no longer has any obligation to pay certain debts that were included in the bankruptcy.
  • What Is Bankruptcy?
    Bankruptcy is legal process in which a debtor seeks an order of relief from the bankruptcy court. In Layman’s’ terms when someone files bankruptcy, they are asking the court for legal protection from their creditors. This legal protection could be a discharge of debts they are unable to pay or it could be additional time to repay a secured debt. Debtors who pass the means test or do not have a regular source of income are eligible for a discharge under chapter 7 of the bankruptcy code. A discharge is a federal court order that prevents creditors from attempting to collect on a debt. Individuals and Corporations can both file chapter 7 bankruptcy, however only individual debtors can receive a discharge. The most significant issues that arise in chapter 7 bankruptcy cases are the loss of property and the possibility of the court denying your discharge. Very few debtors are denied a discharge by the bankruptcy court.

Find a Fresh Start with Bankruptcy

Our Practice Areas

Filing for bankruptcy can provide you with the immediate relief you need through the automatic stay. This court order prevents creditors from initiating or continuing collection actions against you, including foreclosures, repossessions, wage garnishments, and lawsuits. Upon completing a bankruptcy, you are generally able to discharge unsecured debts, including credit card debt, medical debt, and unpaid utility bills. We have secured relief for many clients and can help you understand what types of debts you can expect to eliminate.

The Law Offices of David C. Meltzer, PLLC can assist you with:

  • Chapter 7 Bankruptcy: Individuals with little to no current disposable income can qualify to discharge unsecured debts after liquidating non-exempt assets. We can help determine your eligibility under the means test and protect exempt assets from liquidation. Exempt assets can include the equity in your home, your vehicle, clothing, furniture, tools of your trade, and retirement accounts. 
  • Chapter 13 Bankruptcy: Individuals with sufficient disposable income will need to repay a portion of their debt through a Chapter 13 reorganization plan. This plan will involve making monthly payments over a period of three to five years. The amount of these installments will depend on what you can currently afford to pay. Our attorney can help you propose a repayment plan that meets all requirements.
  • Foreclosure: Bankruptcy can stop a pending foreclosure if you file before a sale takes place. Chapter 7 bankruptcy can help you recover equity, but if you wish to keep your home, you will likely need to consider Chapter 13 bankruptcy. Mortgage arrears must be paid in full as part of your Chapter 13 plan, and you will be protected from foreclosure throughout the life of the plan so long as you continue to make payments. Our attorney can help you explore all of your foreclosure avoidance options.
  • Debt Relief: In most cases, it is not advisable to engage with a debt consolidation company. These firms are not interested in helping you and only wish to collect their fees. Some creditors may refuse to work with debt consolidation companies, and they may ask you to “front end” their fees before they can deliver any meaningful results. Instead, we can help you secure debt relief through bankruptcy. This approach allows you to remain in control and benefit from protections under the U.S. Bankruptcy Code.

Schedule a free initial consultation with The Law Offices of David C. Meltzer, PLLC by contacting us online or calling (904) 418-7454. We serve Nassau, Duval, St. John, Clay, Baker, Marion, Flagler, and Putnam counties.

Commonly Asked Questions

What is an automatic stay and how does it help me when filing for bankruptcy?

An automatic stay is a court order that comes into effect as soon as you file for bankruptcy. It provides immediate relief by halting all collection actions by creditors. This means that foreclosures, repossessions, wage garnishments, and lawsuits against you must stop. This gives you breathing room to reorganize your finances and work on discharging your debts without the constant pressure from creditors.

Can filing for bankruptcy eliminate all types of debt?

Filing for bankruptcy can lead to the discharge of many unsecured debts, such as credit card debt, medical bills, and unpaid utility bills. However, not all debts can be eliminated through bankruptcy. Our attorneys at The Law Offices of David C. Meltzer, PLLC can provide guidance on which debts you may be able to discharge and help you understand the relief you can expect from the bankruptcy process.

How does Chapter 7 bankruptcy work and am I eligible?

Chapter 7 bankruptcy is designed for individuals with limited disposable income who cannot pay off their unsecured debts. It involves liquidating non-exempt assets to pay creditors and discharging remaining eligible debts. Eligibility is determined by the means test, which assesses your income and expenses. Our attorneys can help you understand if you qualify for Chapter 7 and assist in protecting your exempt assets, such as home equity and retirement accounts, during the process.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

The key difference between Chapter 7 and Chapter 13 bankruptcy lies in the handling of assets and repayment of debts. Chapter 7 is suitable for those with little disposable income and involves liquidating non-exempt assets to pay creditors. Chapter 13, on the other hand, is for individuals with regular income who can repay a portion of their debts through a structured repayment plan over three to five years. Our attorney can help you decide which type of bankruptcy is more appropriate for your situation.

How can bankruptcy assist with stopping a foreclosure on my home?

Bankruptcy can be a powerful tool in stopping a foreclosure. Filing for bankruptcy triggers an automatic stay that prevents creditors from continuing with foreclosure actions. If you file for Chapter 13 bankruptcy, you can include mortgage arrears in your repayment plan and keep your home as long as you continue making payments. Our attorney at The Law Offices of David C. Meltzer, PLLC can help you understand your options and navigate the process to avoid foreclosure.

Guidance. Experience. Compassion. Reviews & Testimonials

Hear what clients are saying about The Law Office of David C. Meltzer, PLLC
    "Very Knowledgeable and to the Point"

    Very knowledgeable and to the point!! I would definitely recommend!

    - Ben C.
    "Left us with Peace of Mind"

    When I called he answered the phone quickly and was happy to get my husband and I in for an appointment to discuss our potential business questions and guide us in the right direction!

    - Taylar S.
    "Provided Excellent Feedback and Accurate Expectations"

    I truly enjoyed his services and would highly recommend the Law Office of David C. Meltzer, PLLC.

    - Troy M.
    "Outstanding in Explaining and Maintaining Communication"

    He was responsive and responded to calls and emails promptly, in many cases answering the phone directly. He makes sure you have what you need and when you have court he makes sure you understand the process before, during and after.

    - Emperor K.
    "Made the Process Simple"

    I can't say enough positive things about Meltzer Law office.

    - Shelly

Contact The Law Office of David C. Meltzer, PLLC Today!

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy