Top-rated Bankruptcy Lawyers in Jacksonville
Overwhelmed by debt in Jacksonville? The bankruptcy lawyers below have all earned 4.0 stars or higher from real clients — Chapter 7 and Chapter 13 filings, foreclosure and repossession, medical and credit card debt, and creditor harassment. Most offer a free consultation, and for many people the first useful outcome is simply a clear picture of the options, including the ones that are not bankruptcy.
15 top-rated pros · Updated from Google this week
By the numbers · Jacksonville, FL
Across the 15 businesses we track, the median rating is 4.9★ across 2,976 combined customer reviews.
8 of the 15 have cleared the toughest bar — 4.8★ with at least 50 reviews.
Review depth varies widely — the most-reviewed business carries 1,339 reviews against a 198 average — so weigh each rating against how many customers stand behind it.
15 businesses
Law Offices of Carol M. Galloway, P.A. - Jacksonville Bankruptcy
Ruff & Cohen
Lansing Roy, P.A.
Albaugh Law Firm
Parker & DuFresne PA
Gahanian Law PA Bankruptcy Lawyers
Higginbotham Bankruptcy Law Firm
The Law Office of David C. Meltzer, PLLC
Fleysher Law Bankruptcy & Debt Attorneys - Jacksonville Office
Dolaghan Law
Rehan N. Khawaja Attorney at Law
Pinkston and Pinkston LLC
Century Law Firm
Mickler & Mickler
Adam Law Group, P.A.
How to choose a bankruptcy lawyer
Bankruptcy is federal law, but your case is filed in a local district with local trustees and local practice, so a lawyer who files in Jacksonville regularly knows how things actually run. Fees are usually flat and differ sharply by chapter: a Chapter 7 fee is generally paid before filing, while much of a Chapter 13 fee is often paid through the repayment plan itself. Court filing fees are separate from what the attorney charges, so ask for the all-in number.
Come to the consultation with a realistic list of what you owe, what you earn, and what you own — eligibility for Chapter 7 turns on an income-based means test, and what you keep turns on exemptions. A lawyer worth hiring will tell you plainly if bankruptcy is not your best route, and will explain the consequences honestly rather than glossing over them. Filing also requires a credit counseling course from an approved provider, which most firms will walk you through.
Frequently asked questions
How much does bankruptcy cost in Jacksonville?
Expect a flat attorney fee plus a separate court filing fee. Chapter 7 fees are typically paid before the case is filed; in Chapter 13 a substantial part of the fee is often paid through the plan. Ask for the total including the filing fee and the required counseling course.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 discharges qualifying debts relatively quickly and is subject to an income-based means test. Chapter 13 reorganizes debt into a multi-year repayment plan, which can help people who are behind on a mortgage or do not qualify for Chapter 7. Which fits depends on your income, assets, and goals.
Will I lose my house or my car?
Not necessarily. Exemptions protect a certain amount of equity in property, and many people keep their home and vehicle — it depends on the chapter, how much equity you have, and whether payments are current. Exemption rules vary by state, so ask a Florida bankruptcy lawyer about your specific situation.
Does filing stop creditor calls?
Filing triggers an automatic stay, which halts most collection activity — calls, lawsuits, wage garnishment, and foreclosure proceedings — while the case is pending. There are exceptions, and some obligations such as most child support are not affected, so ask what the stay does and does not cover in your case.
Why you can trust this list
Every business featured on TopRatedJacksonville has earned at least a 4.0-star rating from 15 or more real customer reviews — if a company has not cleared that bar, you will not find it here. Those scores come from aggregated public reviews, not from us, and a business cannot pay to raise its rating.
We update our data periodically so the bankruptcy lawyers you see reflect how they are serving Jacksonville today. Listings marked as verified have confirmed their business details directly.