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Best Bankruptcy Attorneys in Port St. Lucie

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A Bankruptcy & Debt Relief Law Firm — The Cohen Law Firm, P.A. logo
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At The Cohen Law Firm we help people in financial trouble understand their options, make choices and take actions that will help put their debt problems behind them. We're optimists because we have helped more than 25,000 clients out of financial trouble.

A Bankruptcy & Debt Relief Law Firm — The Cohen Law Firm, P.A.

1680 SW Bayshore Blvd., Port St. Lucie, FL 34984
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • IRS Tax Debt
  • Tax Debt
  • Small Business
  • Wage Garnishment Lawyer
  • Bankruptcy
  • Repossession
  • Debt Protection

Business Description

A Bankruptcy & Debt Relief Law Firm—The Cohen Law Firm, P.A. caters to clients in Port St. Lucie and nearby areas. It has been focusing on helping people resolve their financial problems since 2000. Brian J. Cohen, the firm's lawyer and founding partner, handles different types of bankruptcy, including chapters 7, 11, and 13. He helps clients determine the most suitable legal options and protects them from fraudulent or predatory debt collection activities. His office has assisted over 25,000 people in getting out of debt.

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
––

Price: At The Cohen Law Firm we help people in financial trouble understand their options, make choices and take actions that will help put their debt problems behind them. We're optimists because we have helped more than 25,000 clients out of financial trouble.

Grant J. Gisondo, P.A. – Family Law Attorney logo
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Grant J. Gisondo, P.A. – Family Law Attorney

500 Village Square Crossing Suite 103, Palm Beach Gardens, FL 33410
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Grant J. Gisondo, P.A., is a bankruptcy attorney that offers representation to Port St. Lucie area residents seeking to repay or eliminate debts. Gisondo's firm works to assist clients through complex legal proceedings associated with filing for bankruptcy including the confirmation of a repayment plan and termination of dischargeable debts such as credit cards. Aside from bankruptcy cases, Gisondo also offers mediation services and handles family law issues such as divorce, child custody, and alimony.

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
Avvo
5.0 / 5 (80)
Google
4.6 / 5 (58)
Yelp
4.0 / 5 (13)

(+2 additional sources)

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
Rosenthal, Levy, Simon & Sosa logo
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Rosenthal, Levy, Simon & Sosa

1660 SW St. Lucie West Blvd. Suite 300, Port St. Lucie, FL 34986
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  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Rosenthal, Levy, Simon & Sosa is a bankruptcy law firm that provides support for clients around Port St. Lucie that are in need of assistance in securing debt relief. The firm's services primarily revolve around helping individuals in modifying mortgages and loans, negotiating debts with creditors, and protecting rights against debt collections and home foreclosures. The firm has over 36 years of legal experience and also covers practice areas such as personal injury and workers' compensation.

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
4.5 / 5 (28)
Avvo
5.0 / 5 (3)
FindLaw
3.5 / 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
Friendliness
Helpfulness
Detail
The Associates logo
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The Associates

1525 Prosperity Farms Road, West Palm Beach, FL 33403
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Serving Port St. Lucie, The Associates is a full-service law firm dedicated to guiding clients through the difficult legal processes of bankruptcy. With more than 20 years of experience, the firm handles chapter 7, chapter 13, and chapter 11 bankruptcy filing and proceedings for both individuals and businesses. The firm represents businesses in various industries such as mining, manufacturing, oil and gas, construction, hospitality, healthcare, restaurants, and real estate. The Associates also offers representation through bankruptcy litigation.

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.
4.4
Google
4.4 / 5 (601)
Avvo
4.8 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Port Law Firm logo
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The Port Law Firm

540 Northwest University Boulevard, Port St. Lucie, FL 34986
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Port Law Firm in Port Saint Lucie offers assistance with bankruptcy, including both Chapter 7 and Chapter 13 proceedings. The firm works quickly on the behalf of clients to stop foreclosure and creditor harassment while protecting clients' assets. The firm also helps with IRS debt problems, student loan debt, and loan modifications. Attorney Port is a member of the Florida Bar, the American Bankruptcy Institute, and 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.
4.8
Google
4.8 / 5 (21)
Facebook
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
Friendliness
Helpfulness
Detail
Walker Law Firm logo
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Walker Law Firm

601 21st Street, Vero Beach, FL 32960
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Servicing the Port St. Lucie area, Walker Law Firm offers bankruptcy support to help clients relieve debts and achieve financial stability following job loss or medical expenses. The West Palm Beach-based firm works to assist clients in liquidating their assets, executing repayment plans, and other courses of action to address bankruptcy and potentially eliminate debt. Walker Law Firm is headed by bankruptcy attorney Edwin Walker, who also handles real estate and family law 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.
4.7
Google
4.7 / 5 (123)
Avvo
4.4 / 5 (21)
Facebook
5.0 / 5 (6)

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
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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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