Jacksonville Debt Relief Lawyer
Helping Clients Find a Fresh Financial Future in Florida
If you are struggling with debt, you are not alone. You may feel ashamed or embarrassed about your situation, but you should never have to suffer in silence. At The Law Office of David C. Meltzer, PLLC, we believe that everyone deserves compassionate and empathetic legal counsel. We offer debt relief services to individuals throughout Jacksonville, Florida, and the surrounding areas.
Our bankruptcy attorney can help you get back on your feet. We can help you get the relief you deserve by filing for Chapter 7 or Chapter 13 bankruptcy.
Let us help you take control of your finances. Call (904) 418-7454 or contact us online to schedule a free initial consultation with our debt relief lawyer in Jacksonville.
How to Qualify for Bankruptcy in Florida
Qualifying for bankruptcy can be a difficult process. You will need to gather a variety of documents and information to prove that you are eligible to file. To get started, you will need to gather the following:
- Recent pay stubs
- Documentation of all debts
- A list of all assets and property
- A copy of your tax return
- Evidence of all income
- A copy of your last bank statement
- Documentation of any divorce settlements
Once you have gathered all of this information, your lawyer must file official paperwork with the bankruptcy court. The court will then schedule an appointment with a trustee who will go through your financial records. You will also have to go through a credit counseling session and a debtor education course.
The Benefits of Filing for Bankruptcy for Debt Relief
If you are struggling with debt, filing for bankruptcy may seem like a scary process. However, it can actually be very beneficial. Through bankruptcy, you can get a fresh financial start. You can receive a discharge on your unsecured debts, such as medical bills, credit card debt, and personal loans. You can also stop any creditor harassment and stop foreclosure proceedings.
Through bankruptcy, you can also potentially get your credit score back to your pre-financial crisis levels. Bankruptcy can also give you the opportunity to get rid of any high-interest or predatory loans.
Guidance. Experience. Compassion.
Reviews & Testimonials
Hear what clients are saying about The Law Office of David C. Meltzer, PLLC
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Very Knowledgeable and to the Point
“Very knowledgeable and to the point!! I would definitely recommend!”- Ben C.
The Law Office of David C. Meltzer, PLLC Is The Right Choice to a Fresh Start
Learn More About Bankruptcy & Foreclosure
Frequently Asked Questions
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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.
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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.
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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.
