Our Firm Has Helped Thousands of People in Florida

Bankruptcy and foreclosure are two closely related areas of the law that few consumers understand or care to come in contact with during their lives. Unfortunately, the economy today has pushed many individuals, families, and businesses to the point where they are struggling with overwhelming debt. Florida has the highest rate of foreclosure out of all 50 states, and an extremely high number of bankruptcies are filed each year. As a consumer struggling with unmanageable debt, do not wait until it is too late to save your home and your credit score. Contact The Law Offices of Justin McMurray, P.A. today to learn what a Gainesville bankruptcy and foreclosure defense attorney can do for you.

Our firm has served the Gainesville area for the past 13 years and has achieved successes with almost every bank and lender in the field. We have assisted thousands of clients with stopping foreclosure and filing for bankruptcy, as well as seeking alternative debt relief options. Our goal is to help you make the wisest decisions regarding your financial situation so that your credit score is affected as little as possible. We also strive to provide the best possible legal counsel and representation without adding further stress about your finances. That is why we offer a complimentary case evaluation and affordable flat-rate fees, as well as flexible payment plans that are tailored to each client's situation. Speak with a member of our team today and take the first step toward relief from your overwhelming debt!

Bankruptcy Cases We Handle

If you are struggling under extreme debt and are concerned about foreclosure or auto repossession, bankruptcy may be an option for you. Many people shy away from bankruptcy because of the negative stigma attached to it, but we encourage you to consider it as a beneficial process. By filing under Chapter 7 or Chapter 13 (or Chapter 11 if your business is struggling), you could eliminate your debt through liquidation or a short-term repayment plan, after which the remainder of your debts are discharged.

Before you can file for bankruptcy, you must first take a means test to determine your eligibility. If you make less than the national average for disposable income, you could be eligible to file. Your best option would be to pursue an alternative to bankruptcy such as debt settle, mentor a loan modification, since it will cause less damage to your credit score than bankruptcy. There are some cases, however, in which bankruptcy is the best option, allowing you to eliminate your debt and start over.

In addition to helping clients negotiate for loan modifications or pursue bankruptcy, our attorneys can explain to you your consumer rights under the Fair Debt Collection Practices Act and can provide aggressive collections defense in the event of unfair practices. Contact our offices today to learn how and when to file for bankruptcy and to learn what life after bankruptcy could be like.