Bankruptcy

Jacksonville Bankruptcy Attorneys

In today's economy, more people than ever are finding they are unable to manage their debt. When creditor calls won't stop, when bills keep coming, and when debt starts taking over, bankruptcy starts to look like a viable option.

At Makofka & Makofka, we take the time to explain the advantages of bankruptcy to our clients, and provide personal counseling in every case. To find out more, please contact us online or call our law office at 904.355.2700.

Types of Consumer Bankruptcy

At Makofka & Makofka, we help clients file for the following types of consumer bankruptcy:

  • Chapter 7 bankruptcy - Also known as "liquidation" bankruptcy, Chapter 7 bankruptcy discharges most or all of an individual's debt. The debtor must hand over non-exempt property to pay back creditors.
  • Chapter 13 bankruptcy - Also known as "reorganization" bankruptcy, Chapter 13 involves a repayment plan. An individual's debts are reorganized, and the debtor must pay back a portion of the debts over a 3 to 5 year period. Under Chapter 13, debtors get to keep their property.

Eligibility for Chapter 7 and Chapter 13 is determined by a means test, which considers an individual's level of income and other factors.

Filing for either Chapter 7 or Chapter 13 bankruptcy will stop harassing creditor calls and debt collections. In most cases, bankruptcy can be accomplished within in a matter of a few months.

Attorneys Who Care About You and Your Family

Our lawyers know that making the decision to file for bankruptcy can be difficult. But they also know that bankruptcy is a debt relief option that has helped countless individuals and families get out of debt and move on with their lives.

At Makofka & Makofka, we provide clients with the personal attention needed for them to make informed, confident decisions about bankruptcy. We answer their tough questions about bankruptcy - Will it erase my student loans? Will I have to go to court? - and help them decide on a bankruptcy plan that best fits their life.

To find out more about filing personal bankruptcy, contact our law firm in Jacksonville, Florida at 904.355.2700.