This page was written, edited, reviewed & approved by Emil J. Fleysher following our comprehensive editorial guidelines. Emil J. Fleysher, the Founding Partner, has 15+ years of legal experience as a bankruptcy attorney. Our last modified date shows when this page was last reviewed.
Bankruptcy is a legal way to stop overwhelming debt and get a fresh start. If you're facing missed payments, constant calls from creditors, or fear losing your home, you're not alone. Many people and small businesses in Jacksonville are going through the same financial difficulties.
Fleysher Law Bankruptcy and Debt Attorneys helps clients across Florida find debt relief. Whether you're thinking about filing bankruptcy under Chapter 7, 13, or 11, our law offices offer the legal guidance you need.
We listen to your story, review your finances, and walk you through your legal options. With an experienced Jacksonville bankruptcy lawyer on your side, you can protect your assets and build a better financial future. Let’s look at how bankruptcy works and how our law firm can help.
A bankruptcy attorney can help you understand your rights, protect your property, and choose the best path forward. Here's why local legal help matters.
Florida has its own rules for what property you can keep in bankruptcy. These are called exemptions. They may protect your home, car, wages, and other belongings. Understanding what’s protected under the bankruptcy code is crucial to successfully filing a bankruptcy case.
A Jacksonville bankruptcy attorney will explain how these rules apply to your situation. For example, Florida’s homestead exemption may protect all the equity in your home. But that only applies if you meet the time requirements.
Every case is different. Our law offices look closely at your financial situation to make sure you don’t lose more than necessary. You deserve clear guidance on what’s at stake before making any decisions.
Creditors will try to collect everything they can. That includes your wages, home, tax refunds, and car payments. Filing bankruptcy gives you legal rights that stop most collection actions.
A bankruptcy attorney helps you protect your assets and use every exemption you qualify for. This keeps creditors from getting more than they should. An experienced Jacksonville bankruptcy lawyer knows how to structure your case to protect your best interests.
You’ve worked hard for what you have. Bankruptcy shouldn’t mean giving it all up. We’ll help you use the law to your advantage.
Once you file bankruptcy, the court issues an automatic stay. This stops most actions against you immediately. Foreclosure, lawsuits, and wage garnishment all come to a halt.
This legal pause gives you time to catch your breath and plan your next steps. For homeowners, it may give you the chance to save your home with a proper foreclosure defense. For those dealing with lawsuits or frozen paychecks, it provides quick relief.
The sooner you file, the faster these protections begin. Our Jacksonville lawyers help make sure creditors back off while you focus on rebuilding your financial life.
Avoiding these errors starts with getting good legal advice early in the process.
Our law offices offer full bankruptcy services for individuals, families, and small businesses in Jacksonville. We tailor each plan to your needs and financial goals.
Chapter 7 bankruptcy is the fastest way to get rid of unsecured debt. This includes credit cards, medical bills, and personal loans. In most cases, you can keep your home, car, and belongings by using Florida exemptions.
This chapter is often the best option for people with low income and little property. It gives you a fresh start by eliminating debt you cannot afford to pay. Most Chapter 7 cases are completed in a few months.
Fleysher Law Bankruptcy and Debt Attorneys reviews your income and assets to make sure Chapter 7 is right for you. If it is, we’ll handle everything from start to finish.
Chapter 13 helps people who want to keep their property but need time to catch up on payments. It lets you create a repayment plan, usually lasting three to five years. You can include car payments, mortgage arrears, and back taxes.
This chapter is ideal for those with regular income but who are falling behind. It also protects you from foreclosure and repossession. Filing Chapter 13 can stop mounting debt and put you back in control of your finances.
Our Jacksonville lawyers will help build a plan you can afford so you can stay protected while working toward a new beginning.
Chapter 11 is usually for businesses or individuals with high debt levels. It allows you to reorganize your debts while continuing to operate your business or manage your assets.
It is more complex than other chapters, but it gives you more control. Chapter 11 can help restructure contracts, reduce obligations, and save your company from closing. It’s also an option for individuals who exceed Chapter 13 debt limits.
If you own a business or have a high income and need debt relief, our law offices can help you explore Chapter 11. We’ll guide you through the process and protect your legal rights.
Do I have to go to bankruptcy court if I file?
In most cases, no. You will not need to appear before a judge unless there is an issue. Most people only attend the 341 meeting of creditors. This takes place outside of a courtroom. Your attorney will be with you during the entire process.
Can bankruptcy clear all my credit card debt?
Yes, most credit card debt can be discharged in Chapter 7 bankruptcy. If the charges are honest and not recent luxury purchases, they’re usually wiped out. Chapter 13 may also reduce what you owe over time through a payment plan.
How does bankruptcy affect my credit report?
Bankruptcy appears on your credit report for 7 to 10 years; however, your score can start improving soon after discharge. However, your score can start improving soon after discharge. Many people qualify for new credit within a year by following smart rebuilding steps.
Is there a fee for the first meeting with your firm?
No. We offer a free consultation to review your case and discuss your options. You’ll learn about the chapters available, your rights, and what to expect in the process.
What other debt-relief options should I consider?
Besides bankruptcy, you might look into debt settlement, consolidation, or loan refinancing. But these aren’t always reliable. Bankruptcy is often faster, stronger, and more permanent. We’ll help you understand all of your debt relief options during your free consultation.
If you're buried in debt and unsure what to do next, we’re here to help. The bankruptcy process doesn’t have to be stressful or confusing. With the right legal team on your side, you can take control and protect your future.
At Fleysher Law Bankruptcy and Debt Attorneys, we offer a free initial consultation to review your situation and explain your options. We’ll walk you through the bankruptcy process step by step and help you decide what makes the most sense for your financial needs.
Don’t wait until creditors file lawsuits or your wages are garnished. Contact us today. Our law offices are ready to guide you toward lasting debt relief and a fresh start.
Jacksonville, Fruit Cove, Jacksonville Beach, Atlantic Beach, Neptune Beach, Baldwin, and surrounding areas.
Emil specializes in consumer bankruptcy, debt settlement, and mortgage modification, offering a holistic approach to solving mortgage and debt problems. Emil listens to clients, understands their circumstances and goals, and helps them make the right choices by presenting all options and contingencies.
He is dedicated to helping South Floridians regain their financial freedom from overwhelming debt caused by high interest credit cards, bad mortgage loans, and uninsured medical expenses.
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