Bankruptcy

Bankruptcy

Gainesville Bankruptcy Attorney Serving North Florida

As an attorney who has been in practice since 1987, I have personally assisted thousands of clients in Gainesville, Ocala, Lake City, Starke, Cedar Key, Palatka, High Springs, Keystone Heights, and the surrounding areas. I offer knowledgeable and experienced professional guidance and representation in bankruptcy and related types of financial distress matters with personalized attention throughout the duration of your legal matter. Because of my outstanding legal service to my clients, I have received the Avvo Client's Choice Award and am BV rated by Martindale-Hubbell (signifying "Very High Legal Ability & Ethical Standards."

To learn more about the legal services I offer, please click on the highlighted topics below. You will be directed to additional pages of helpful information.

Practice Areas

Chapter 7
A Chapter 7 personal bankruptcy is also known as liquidation or a straight bankruptcy. This type of bankruptcy filing is the most common, the fastest, and applies to both individuals and married couples who are in a position where they cannot pay back the debts they owe. Specific requirements must be met to qualify for a Chapter 7.

Debt Settlement
Debt settlement generally involves negotiation with your creditor for a reduction in the overall balance you owe which is then paid in a lump sum. This is not the same as debt consolidation or debt management where you make monthly payments to a consolidator. Debt settlement generally applies only to unsecured debt, such as credit card debt, medical bills, and personal loans.

Lien Stripping
If the value of your home has fallen below what you owe on your first mortgage, your second or third mortgages may be able to be eliminated through lien stripping in a bankruptcy case. This can be of great value to those who are trying to save their home but are struggling with second mortgages.

Mortgage Modification
Mortgage modification involves negotiating a change in the terms of your home loan in order to make it more affordable. This may involve a lowered interest rate, term, or monthly payment; getting experienced legal guidance can facilitate this process. Mortgage Modification Mediation in bankruptcy has achieved a success rate approximately 70% higher than modification efforts outside of the bankruptcy process.

Foreclosure
If you have fallen behind on your mortgage payments for a period of time, you may be facing a potential foreclosure. The average length of time the process may take is approximately six months or more. To learn what your legal rights and options are, get professional legal guidance from an attorney who practices foreclosure defense.

Contact my firm to arrange for a free consultation concerning debt relief options that apply to you. Learn about your legal rights, how you can resolve your financial crisis, and move towards a better future.

Our Blog

Contact Us Today

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

First Name
Please enter your first name.
Last Name
Please enter your last name.
Phone
Please enter your phone number.

This isn't a valid phone number.
Email
Please enter your email address.

This isn't a valid email address.
Are you a new client?
Please make a selection.
How can we help you?
Please enter a message.
By submitting, you agree to receive text messages from The Law Office of Robert J. Warren, P.A. at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy

We've Helped Many People in Your Shoes

See What They Have to Say!

At The Law Office of Robert J. Warren, P.A., your satisfaction is our priority! See for yourself what our clients have to say about working with us.

“Robert Warren is an excellent Real Estate attorney.”
Robert Warren is an excellent Real Estate attorney. He and his team are always on the ball, communicate between the seller, buyer, and mortgage company very well, and they are timely in their work. I have sold a house and refinanced another house both with Robert and I can't say enough good things about him and his office. He's thorough and will make sure that nothing is 'fishy' in the mortgage paperwork. He will also hammer the mortgage company to get things right. His office also does title work so I highly recommend using Robert's office as the title company and the closing agent on a mortgage. Very reasonably priced and excellent at their job. I will go to them, and no one else, for as long as he's in business. Thanks again Robert and crew!

J. Smith
“Exceptional attorney!”
Mr. Warren is knowledgeable and honest. His rates are reasonable and fair. His dedication and tenacity resulted in a very favorable outcome in my real estate case. I would highly recommend him without hesitation and would definitely use his services again.

Rechelle
“Robert Joseph Warren worked with me from start to finish, eliminated my unsecured debts”
“Not only did he get my debts discharged, he also became a close business partner and friend.”

Eddie T.
“All 5 Stars for Robert J Warren and the service he provided for our Real Estate Sale.”
“...thorough, efficient, and always answered my questions in record time.”

D. Sheu
“Bob is an excellent lawyer”
“I would recommend him to anyone with a credit or debt issues.”

Melissa Murphy (Attorney)
“easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!”
I recently used Robert Warren to help in the closing of my mom's home, and couldn't be happier with how it went. Robert and his assistant Lois were easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!

C. Delatorre
“He is professional and is very knowledgeable. He was understanding of my situation.”
“A friend recommended Mr. Warren to me and he has exceeded all that I expected.”

Blanche Johns (Google review)
“Mr. Warren is an outstanding attorney.”
Mr. Warren is an outstanding attorney. He helped me on multiple real-estate matters that were fairly complicated. His advice was excellent, he advocated for my interests, and he was highly responsive. I am grateful for his efforts and intend to use him in the future again.

S. Kiousis

View All Reviews