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Best Bankruptcy Attorneys in Lakeland

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Carmona Law logo
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Carmona Law

20 S Rose Ave, Ste 5, Kissimmee, FL 34741
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Carmona Law represents individuals in bankruptcy cases in Lakeland. The types of bankruptcies and debt relief matters that the law practice handles include chapters 7 and 13 bankruptcies and foreclosures. Its team of lawyers is comprised of founding lawyer Omar Carmona and two of-counsel lawyers. Some of the other practice areas that the law firm covers are estate planning and criminal defense. Carmona Law has offices in Florida, Colombia, and Puerto Rico.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (121)
Avvo
5.0 / 5 (58)
Facebook
4.3 / 5 (39)

(+1 additional source)

Elkins & Freedman logo
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Elkins & Freedman

1420 Celebration Boulevard, Celebration, FL 34747
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Elkins & Freedman is a bankruptcy law firm that has been operating throughout Lakeland and nearby areas since 1979. The firm handles chapters 7 and 13 bankruptcy to help clients end creditor harassment, wipe out unsecured debts, and create a fresh start financially. It also handles matters regarding contested divorce, child custody and support, property division, premises liability, and auto accidents. Founding partners Richard L. Freedman and Alan J. Elkins have handled 15,000 bankruptcy filings and 10,000 divorce cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
3.9 / 5 (7)

Professionalism:

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5.0
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Goodblatt · Leo logo
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Goodblatt · Leo

1040 Woodcock Road, Orlando, FL 32803
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Student Loan Debt

Business Description

Goodblatt · Leo represents individuals in bankruptcy cases in Lakeland. Bankruptcy lawyers Amy E. Goodblatt and Tatiana Leo assist in filing for chapters 7 and 13 bankruptcies and with related processes like the discharging and reorganization of debt. They also handle family law cases including alimony, divorce, paternity and adoption, and property division. Goodblatt · Leo, whose lawyers have 40 years of combined legal practice experience, is a member of the Central Florida Bankruptcy Law Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Herman and Herman Attorneys at Law logo
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Herman and Herman Attorneys at Law

607 South Alexander Street, Plant City, FL 33563
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  • Credit Card Debt

Business Description

Herman and Herman Attorneys at Law serves Lakeland and the surrounding areas. The company's bankruptcy attorneys handle debt-related issues, including creditor disputes, vehicle repossessions, and credit card bills. Its professionals have more than 40 years of experience in debt-related lawsuits. Other areas of practice include small business formation and disputes, personal consumer and commercial lawsuits, and probate matters. Founder and managing attorney Harley Herman served as Plant City Bar Association's president in 2015.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (13)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Higgins Law, LLC logo
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Higgins Law, LLC

205 Lagoon Road, Winter Haven, FL 33884
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Student Loan Debt

Business Description

Higgins Law, LLC provides legal representation throughout Lakeland and the surrounding regions. The firm's bankruptcy attorneys offer debt relief services to stop foreclosures and repossessions, wipe out unsecured debts, and silence harassing phone calls. The firm helps clients file for chapter 7 liquidation bankruptcy and chapter 13 debt restructuring. It also handles personal injury cases, such as workers' compensation, premises liability, medical malpractice, and wrongful death. Founder Deborah J. Higgins has more than 17 years of experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (113)
Avvo
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Law Office of K. Hunter Goff, P.A. logo
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Law Office of K. Hunter Goff, P.A.

600 North Us Highway 27, Minneola, FL 34715
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of K. Hunter Goff, P.A. is a bankruptcy law firm that has been assisting clients from Lakeland with filing bankruptcy under the Bankruptcy Code. The firm works with chapters 7 and 13, and small business bankruptcy. It also helps clients handle creditor harassment, foreclosure, IRS issues, medical bills, repossession, and wage garnishment. Goff has been practicing bankruptcy law for more than 20 years. He is a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (17)
Avvo
4.5 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Law Office of Thomas P. Gill, Jr logo
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Law Office of Thomas P. Gill, Jr

137 South Parsons Avenue, Brandon, FL 33511
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  • Debt Settlement

Business Description

The Law Office of Thomas P. Gill, Jr. has been providing legal services to Lakeland since 1988. Led by Gill, the firm's team of bankruptcy lawyers works with chapters 7 and 13 bankruptcy cases for businesses and individuals. The firm offers consultation services to potential clients who are considering filing for bankruptcy to determine if it is the right option for their situation. Gill also sits on the Board of Directors of the Emergency Care Help Organization.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (143)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (4)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Rodney Durrance, Jr., Attorney at Law logo
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Rodney Durrance, Jr., Attorney at Law

143 Avenue A Southeast, Winter Haven, FL 33880
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Rodney Durrance, Jr., Attorney at Law represents individuals in bankruptcy cases in Lakeland. The law firm assists in discharging and reorganization of personal debt. In addition to filing for chapters 7 and 13 bankruptcies, bankruptcy lawyer Rodney Durrance Jr. also handles family law, divorce, and probate and estate administration. He also has almost 40 years of legal practice experience. Rodney Durrance, Jr., Attorney at Law is located in Winter Haven.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Schwam-Wilcox & Associates logo
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Schwam-Wilcox & Associates

604 Courtland Street, Orlando, FL 32804
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Schwam-Wilcox & Associates represents individuals in bankruptcy cases in Lakeland, assisting in the discharging and reorganization of personal debt. In addition to filing for chapters 7 and 13 bankruptcies, the law practice's lawyers Camy B. Schwam-Wilcox and Jordan L Kuveke-Guyton aid in relief from creditor harassment, foreclosure, repossession, wage garnishment, and creditor lawsuits. Schwam-Wilcox & Associates also handles adoption, criminal, family, wills and trusts, and guardian ad litem cases. It has offices in Orlando and Lake Mary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Avvo
5.0 / 5 (29)
Google
4.7 / 5 (21)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Sutton Law Firm logo
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Sutton Law Firm

325 West Main Street, Bartow, FL 33830
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  • Debt Settlement

Business Description

Sutton Law Firm is a law firm that has been providing its legal services to Lakeland for 30 years. With the expertise of bankruptcy lawyer Matthew J. Kovschak, the firm assists individuals, small businesses, and large corporations with filing bankruptcy cases. Kovschak helps them avoid foreclosures, consolidate debts, prevent property repossessions, and stop wage garnishments. He also represents creditors with debtors who have filed for bankruptcy. Sutton Law Firm caters to clients from Polk County and nearby areas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Avvo
5.0 / 5 (23)
Google
3.8 / 5 (18)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
The Golden Law Group logo
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The Golden Law Group

808 Oakfield Drive, Brandon, FL 33511
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Golden Law Group represents individuals in chapters 7 and 13 bankruptcy cases in Lakeland. A chapter 7 bankruptcy filing is for discharging of all debt while a chapter 13 bankruptcy filing is for the reorganization of one's payment plan with a more manageable schedule. The firm's team of lawyers is comprised of founding attorney G. Donald Golden and David S. Bromley. The Golden Law Group has offices in Brandon, Tampa, and Bradenton.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (17)
Avvo
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
The Law Office of Paul L. Kutcher, P.A. logo
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The Law Office of Paul L. Kutcher, P.A.

902 West Lumsden Road, Brandon, FL 33511
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  • Debt Settlement

Business Description

The Law Office of Paul L. Kutcher, P.A. helps clients throughout Lakeland and the surrounding communities resolve legal matters. The firm's founder and bankruptcy lawyer, Kutcher, has more than 25 years of active practice of law. Kutcher offers bankruptcy law services to help people eliminate debts and make new financial beginnings. He is also experienced in the areas of probate, real estate, and personal injury. Kutcher is also qualified as a court-appointed arbitrator in State of Florida civil cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Law Offices of Gonzalez & Associates logo
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The Law Offices of Gonzalez & Associates

210 Bryan Road, Brandon, FL 33511
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  • Debt Settlement

Business Description

The Law Offices of Gonzalez & Associates represent Lakeland residents in bankruptcy cases. The law firm assists in the discharge and reorganization of personal debts. Its team of lawyers guides clients in filing chapters 7 and 13 bankruptcies dealing with debt negotiations. They work with the debtors to create repayment plans that suit their capabilities and goals. In addition, the law practice's team of 19 lawyers handles personal injury, immigration, and family cases. The Law Offices of Gonzalez & Associates strives to ensure compassion and attention in cases it handles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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