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 thereโ€™s no better team for the job.

bankruptcy attorney jacksonville florida

Bankruptcy

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 stateโ€™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 Floridaโ€™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 youโ€™re protected from start to finish.

WE’RE HERE TO PROTECT AND SERVE YOU

OUR TEAM

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 wonโ€™t find anywhere else. The Law Offices of Randy Reep provide world-class representation with some of the most aggressive attorneyโ€™s in Florida

Randy Reep, Esquire

President

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 โ€œIntegrity first, service before self, excellence in all we do.โ€

Read More

John Holzbaur, Esquire

Partner

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.

Read More

Stefani K. Nolan, Esquire

Family Law Attorney

With over 25 years of experience, Stefani K. Nolan is a dedicated and tenacious advocate for clients facing complex divorce and family law matters. She approaches every case with a blend of compassion and determination, prioritizing the protection of what matters mostโ€”family and finances.

Read More

Hugo Rodriguez, Esquire

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.

Read More

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..

Read More

Bonnie Jones-Wight, B.S.N.

Chief Litigation Paralegal

Bonnie Jones-Wight was born and raised in New Jersey before relocating to Florida with her family in 1995. She earned a Bachelor of Science in Nursing from the University of North Florida in 2003 and later obtained an Associate's Degree in Paralegal Studies from Florida State College at Jacksonville in 2014.

Read More

Lauren Wright

Legal Assistant, Family Department

Lauren was born and raised in Jacksonville where she graduated from Trinity Christian Academy in 2018. Following graduation, Lauren attended Cosmetology School at Florida State College of Jacksonville and received her cosmetology license in 2020. In 2022, Lauren transitioned into the legal field and joined The Law Offices of Randy Reep in 2022 as an administrative assistant. Her strong work ethic and dedication advanced her to her current position as the Family Departmentโ€™s legal assistant.

Read More

Shannon Overbay

Litigation Case Manager, Personal Injury Department

Shannon was born in Florida but grew up in a small town in Ohio until she moved back to Florida in 2015. She received her Bachelor of Criminal Justice degree from the University of North Florida in 2021.

Read More

Paula Ochoa Petterson

Case Manager, Personal Injury Department

Paula Ochoa Petterson is a bilingual legal professional originally from Venezuela. She moved to the United States in 2016 at the age of 10 and quickly adapted to her new environment, becoming fluent in both Spanish and English. After graduating from high school, Paula began her career at the Law Offices of Randy Reep as an Administrative Assistant. Through dedication and hard work, she advanced to her current role as a Personal Injury Legal Assistant, where she continues to expand her expertise in the legal field. Passionate about helping others, Paula is committed to professional growth and making a meaningful impact in the industry.

Read More

Cayla Cabrera

Legal Assistant, Criminal Department

Cayla was born and raised in Jacksonville, FL . She began her career in the medical field after studying medical assisting, working in doctors' offices and hospitals for several years. Seeking a new way to help others, she transitioned into criminal defense and now serves as the legal assistant to attorney John Holzbaur. In this role, Cayla is committed to supporting clients and guiding them through the legal process with care and efficiency. She takes pride in making a difference in peopleโ€™s lives during challenging times. Outside of work, Cayla enjoys spending time with her 10-year-old son Zayden and staying involved in the community.

Read More

Linette Belen

Administrative Assistant

Linette Belen was born and raised in Ponce, Puerto Rico, and is a dedicated Administrative Assistant with expertise in customer service. Fluent in both English and Spanish, she excels in providing seamless communication and support to clients and teams in diverse environments.

Read More

Jordan Kidd

Case Manager, Personal Injury Department

Jordan was born and raised in North Florida. He received his associateโ€™s degree from Florida State College at Jacksonville in 2019 and his bachelorโ€™s degree from Florida State University in 2021.

 

Read More

FREE CONSULTATION