Bankruptcy Lawyers Serving Tallahassee and Leon County

Drowning in Debt in Tallahassee?

Bankruptcy Could Be Your Fresh Start

If you’re facing overwhelming debt from credit cards, medical bills, or a pending foreclosure in Tallahassee, you’re not alone — and you do have options. At Consumer Law Attorney, we help individuals and families across Leon County eliminate or reorganize debt through Chapter 7 or Chapter 13 bankruptcy. The consultation is free, confidential, and designed to help you understand what’s best for you.

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Bankruptcy Services in Tallahassee

We Help Tallahassee Residents File for Chapter 7 and Chapter 13 Bankruptcy

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Eliminates most unsecured debt (medical bills, credit cards, personal loans)
Quick resolution — usually within 3–4 months
No repayment required
Best for individuals with limited income and few assets

Chapter 13 Bankruptcy

Reorganizes debt into a 3–5 year repayment plan
Prevents foreclosure, car repossession, and wage garnishment
Catch up on mortgage or tax payments
Suitable for people with regular income

Why Choose Us

Trusted Bankruptcy Lawyers Serving Tallahassee for Over a Decade

Our legal team knows the Tallahassee court system and offers compassionate, judgment-free support. We’ll handle all the filings and creditor communication — so you can focus on starting over.

Key Benefits:

Experience with U.S. Bankruptcy Court – Northern District of Florida
Knowledge of Leon County legal procedures
Transparent flat-rate pricing and payment plans
Personal, one-on-one attention throughout your case

Bankruptcy Process in Tallahassee

How Bankruptcy Works in Tallahassee, Step by Step

Bankruptcy Steps:

Free consultation with a bankruptcy attorney
Financial document review and eligibility check
Filing your bankruptcy petition
Automatic stay begins — collections stop immediately
341 Meeting of Creditors
Discharge (Chapter 7) or repayment plan confirmation (Chapter 13)

What Clients in Tallahassee Say About Us

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
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   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

Frequently Asked Questions About Bankruptcy in Tallahassee

Can bankruptcy stop a foreclosure in Leon County?

Yes. Filing for bankruptcy in Tallahassee immediately stops foreclosure proceedings through the automatic stay. If your home is scheduled for a foreclosure sale in Leon County, bankruptcy can halt the process right away. Chapter 13 is especially useful because it allows you to catch up on missed mortgage payments over 3 to 5 years while keeping your home. Chapter 7 will also pause foreclosure temporarily, buying you time to explore your options. Acting quickly is important if you already have a sale date.

Will filing hurt my credit forever?

No. While bankruptcy does appear on your credit report — 10 years for Chapter 7 and 7 years for Chapter 13 — it does not ruin your credit forever. In fact, many people in Tallahassee see their credit scores start improving within a year or two of filing. Bankruptcy eliminates past-due balances and collections, which allows you to begin rebuilding with a clean slate. Over time, the impact lessens as you establish positive credit habits.

How do I know which chapter to file?

The right chapter depends on your financial situation. Chapter 7 is often best for people with limited income and mostly unsecured debt, like credit cards or medical bills. Chapter 13 is designed for individuals who have a steady income and want to keep assets, like a house or car, while catching up on missed payments. In Tallahassee, attorneys look at your income, expenses, debts, and goals to help determine whether Chapter 7 or Chapter 13 fits your needs.

Can I keep my car or house?

Most people in Tallahassee who file for bankruptcy keep their home and car. Florida law provides strong homestead protection for primary residences, and exemptions to protect the value of your vehicle. If you’re behind on payments, Chapter 13 allows you to catch up over time. In Chapter 7, you usually keep these assets as long as you stay current and meet the exemption limits. Losing essential property is uncommon in bankruptcy.

Contact Consumer Law AttorneysTalk to a Tallahassee Bankruptcy Attorney Today

We’re ready to help you make informed decisions about your financial future. Contact us today — no cost, no obligation.

(877) 241-2200

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Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

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TELEPHONE

(877) 241-2200

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Mon-Fri: 9am – 6pm EST

*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

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