Rely on me and my staff

I have almost 30 years experience helping small businesses and people just like you with every known financial matter that you can imagine - everything from taxes and portgages to judgements, liens and foreclosures. I have personally participated in over 20,000 cases while working for the Banks, the Trustees and I have personally filed over 8,000 Bankruptcy cases here in the state of Florida. Whether or not Chapter 7 or Chapter 13 is helpful for you, we will review all alternatives with the goal being to get you the best form of relief from any past, present or upcoming financial problems - to make sure you get a fresh start and clean up your credit.

Significant help with student loan debt

If you are currently in default or struggling to make student loan payments, I am able to offer new avenues of help which can result in affordable monthly patments and possible discharge and elimination of the debt.

Contact me today for details about how this works and how it can help you.

Client relief

I am a local attorney and my office is easy to find in downtown Daytona Beach. I also have a very experienced and friendly staff. I am glad to meet with you and review all options regarding your financial problems. Most people that I see are stressed beyond belief with creditors calls and intimidation. I am happy to go to work for you and immediately have all that stopped. My office will handle all of your creditors and debts and make sure that you are no longer harassed.

I will personally review your situation with you and explain how you can get it all accomplished. My office also prepares all of your court paperwork.

General case information

Chapter 7 is the fastest and least expensive way to resolve most financial difficulties. It gets you a fresh start within 6 months. However, there are many qualifications - the government sets income limits so Chapter 7 may not be available if the government thinks you make too much money, and Chapter 7 generally only helps with unsecured debts - credit cards, medicals, judgments, charge offs. You must be current on secured debts like mortgage or car loans in order to retain property.

Chapter 13 is the bigger and longer lasting case that pretty much helps with all debts. Chapter 13 can help resolve IRS issues, lead to mortgage modification, stop foreclosure, stop car repossession, remove liens as well as eliminate credit cards, medicals, and other loans. Chapter 13 is a payment plan which is based on your income and on the property you retain.

Free consultation

I charge no upfront fee to meet with you to review your problems and I have flexible payment plans for filing chapter 7 and 13.