Jacksonville Bankruptcy Lawyers

Struggling with Debt? Call Owenby Law, P.A. for a Free Review!

If you are currently absorbed in debt, bankruptcy can be exactly what you need to put your life back together. Whether you are seeking a fresh start through Chapter 7 or need to restructure your debts through Chapter 13, you can turn to the Jacksonville bankruptcy attorneys at Owenby Law, P.A. for experienced legal guidance. We know that no one intentionally accumulates more debt than they can handle, but sometimes life-changing events – such as a job loss, lapse in health, or divorce – make it impossible to keep up with monthly bills. This is what we are here for.

If you are seeking debt relief through bankruptcy, involving the services of an experienced bankruptcy lawyer as early as possible is critical to a smooth and successful transition through the bankruptcy process. Call Owenby Law for the help you need.


Debt Relief

How Can We Assist You?


We Can Help You Stop Debt Collectors, Foreclosure & Repossessions

As Jacksonville bankruptcy lawyers, we are often able to temporarily or permanently stop foreclosure actions. The automatic stay associated with Chapter 7 and Chapter 13 bankruptcy will freeze foreclosures, auto repossessions, and all other types of debt collections from creditors until it is lifted. The time this allows can be invaluable as you attempt to get your affairs in order. We understand how intimidating and stressful bankruptcy can be for our clients, but should you decide to retain our services, we will be with you through every step of the bankruptcy process.

When you work with our firm, we can answer all of your questions, including:

  • Is filing for bankruptcy the right choice for me?
  • Which type of bankruptcy is right for me?
  • Will I lose my house or car if I file for bankruptcy?
  • How long does the bankruptcy process take?
  • Will I be left with any debt when it’s over?

What is the Difference Between Chapter 7 and Chapter 13?

If you are interested in filing for bankruptcy as an individual, you have the option to file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. While both provide similar outcomes, they are vastly different processes. Chapter 7 bankruptcy requires you to liquidate certain non-exempt assets, sell them, and then use the proceeds to repay your creditors. The benefit is that your debts will be discharged in just a few short months.

On the other hand, Chapter 13 bankruptcy is a lengthier process that can take anywhere from three to five years. During Chapter 13, you will have the chance to restructure your debts, create a monthly payment plan, and repay your creditors in order of priority over the next couple of years. At the end of this process, any remaining debts will be discharged. One benefit is that it may be able to help you halt or prevent foreclosure.

Don’t Let Debt Control Your Life – Our Firm Can Help You Take Action

At Owenby Law, P.A., we strive to deliver thorough, knowledgeable, and compassionate legal representation to all of our clients. By helping people file for bankruptcy relief under the U.S. Bankruptcy Code, we are giving them a chance to start over with a clean slate. Debt doesn’t have to control your life – our bankruptcy attorneys in Jacksonville, FL can help you get the fresh start you deserve! Contact our firm to find out how we can put more than a decade of legal experience to work for you. Initial consultations are free and confidential, so please give us a call today.

For more information about our bankruptcy services, contact us for a free consultation.