Skilled Bankruptcy Attorneys in Jacksonville, Florida

Your First Step To Financial Recovery Begins Here

We recognize the bravery it takes to walk through our front doors. We meet that bravery with knowledge, experience, and legal assistance you can trust. Bankruptcy is your first decision to a new beginning, and there’s no better team for the job.

bankruptcy attorney jacksonville florida


Are you overwhelmed by debt? Do you need to stop debt collections, foreclosure, and repossession actions? Bankruptcy could be exactly what you need to get a fresh financial start in life. If you are seeking to eliminate your debts or temporarily or permanently stop foreclosure actions and auto repossessions through Chapter 7 bankruptcy, you can turn to The Law Offices of Randy Reep for experienced legal guidance.

There are several steps that go into filing bankruptcy in Florida. Here are some of the proceedings that The Law Offices of Randy Reep will guide you through:

  • To determine eligibility for Chapter 7 bankruptcy in Florida, the means test follows a complex formula. Individuals whose household income is under their state’s median income, and individuals whose debts are primarily business-related debts, are exempt from the means test process. However, bankruptcy debtors whose gross household income is above median income must pass the means test to be eligible for a Chapter 7 bankruptcy filing.
  • The automatic stay associated with Chapter 7 bankruptcy will freeze foreclosures, auto repossessions, and all other types of debt collections from creditors until it is lifted. The time the automatic stay provides can be extremely useful in order to get your affairs in order.
  • A Chapter 7 bankruptcy is initiated by filing a petition with the bankruptcy court. This petition is a federal form that includes a substantial amount of financial information about the debtor and their family. This petition must be signed under oath.
  • The bankruptcy Petition requires an individual to list all unsecured debts separately from secured debts. Unsecured debts include personal loans and credit cards issued by banks. Vehicle leases, medical bills, and personal loans also qualify as unsecured debts. Tax debt can also qualify as unsecured until the IRS issues a tax lien. Secured debts can include mortgages, car loans, and other finance loans.
  • To file a Chapter 7 bankruptcy in Florida, an individual must be a permanent Florida resident or own property in the state. Florida has three bankruptcy districts, including the Southern District, Middle District, and Northern District. Each of Florida’s counties is assigned to one of the three bankruptcy districts, and people must file bankruptcy in the district in which they reside.

At The Law Offices of Randy Reep, we understand how intimidating and stressful Chapter 7 bankruptcy can be for our clients. We will be with you through every step of the bankruptcy process and ensure you’re protected from start to finish.



As one of the leading firms in Florida, the Law Offices of Randy Reep brings together the best of experience and knowledge to serve our clients in a way that you won’t find anywhere else. The Law Offices of Randy Reep provide world-class representation with some of the most aggressive attorney’s in Florida

Randy Reep


Randy brings more to your case than the average attorney. As an Air Force Veteran and Lieutenant Colonel and F15 Pilot for Florida Air Guar, he lives his life by the core values of “Integrity first, service before self, excellence in all we do.”

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John Holzbaur


John Holzbaur grew up in Jacksonville and enlisted in the US Navy immediately after graduation from Wolfson High School. John served for over twenty-three years as a Naval Helicopter Aircrewman and Helicopter Rescue Swimmer and as a commisioned Naval Fight Officer.

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Camila Katterhenry

Personal Injury Director

Camila was born and raised in Brazil, where she received a law degree and worked in the education field. In 2015, she moved with her family to USA, consolidating her passion for helping people navigate the complex legal system as well as assist the Latino community to ensure their vital access to the law.

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Bonnie Jones

Chief Litigation Case Manager, Paralegal

Bonnie was born and raised in New Jersey, then moved to Florida with her family in 1995. She received her bachelor’s degree in Nursing from the University of North Florida in 2003 and her Associates in Paralegal Studies from Florida State College at Jacksonville in 2014.

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Hugo Rodriguez

Of counsel

Hugo began his legal profession litigating medical malpractice and commercial cases that ultimately resulted in millions of dollars recovered. When he expanded his practice to Criminal and Family law, Hugo took advantage of the litigation skills he had developed in the complex world of medical malpractice and commercial litigation. He has since successfully defended over a hundred cases in traffic and criminal offenses throughout the State of Florida.

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