Business Details
Jacksonville Bankruptcy Lawyer & Debt Relief Solutions
The Law Offices Of Carol M Galloway has provided dedicated legal representation to individuals and businesses in financial distress since its founding. Our practice focuses on bankruptcy solutions, debt relief, and employment law advocacy, serving clients in Jacksonville and throughout Florida. With extensive experience in Chapter 7 and Chapter 13 bankruptcies, we help clients navigate complex financial challenges while protecting their rights.Our firm combines technical expertise with personalized service, offering free consultations and payment plans to ensure accessible legal support. We maintain a strong commitment to client communication, transparency, and ethical practice, with our attorney serving as a Florida Supreme Court-certified mediator for mortgage loan modifications.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
Credit Card Debt
Medical Debt
Mortgage Modifications
Employment Law
Debt Collections
Business Bankruptcy
HAVEN Act Cases
Highlights and features
- 20+ years of specialized bankruptcy law experience
- Personalized debt relief strategies for each client
- Free confidential initial consultations available
- Proven track record in complex bankruptcy cases
- Certified mediator for mortgage loan modifications
What people say
Amazing professionalism
Caring attorney
Excellent attorney
Best attorney out there
Professional service
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation, providing fresh financial starts. This option suits individuals with limited income who cannot repay debts. Our firm guides clients through the means test requirements and exemption protections to preserve valuable assets while achieving debt relief.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into manageable monthly payments over 3-5 years. Ideal for homeowners facing foreclosure or those with steady income, this process allows debtors to retain property while restructuring mortgage, vehicle, and other secured debts through court-approved payment plans.
Debt Settlement
Our firm negotiates with creditors to reduce total debt amounts before bankruptcy becomes necessary. This service benefits clients with significant unsecured debts who can demonstrate financial hardship, potentially avoiding bankruptcy while achieving substantial debt reduction through structured settlement agreements.
Employment Law
We protect employees against workplace discrimination and harassment based on protected characteristics. Our services include representing clients in hostile work environment cases and ensuring employer compliance with federal and state employment laws through legal action and settlement negotiations.
HAVEN Act Cases
Specialized bankruptcy services for veterans exclude VA benefits from income calculations. This federal provision helps military veterans qualify for Chapter 7 bankruptcy by excluding service-related benefits from means testing, enabling debt relief while preserving earned entitlements.
People
Carol M. Galloway
Attorney
Carol M. Galloway is a Florida Supreme Court-certified mediator with extensive bankruptcy law experience. She specializes in consumer bankruptcy, debt relief, and employment law, serving Jacksonville residents since graduating from law school. Her practice includes representing debtors in Chapter 7 and Chapter 13 bankruptcies, with a focus on protecting client rights and providing compassionate legal guidance through financial crises.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcies for individuals, as well as business bankruptcies and HAVEN Act cases for veterans.
Can I keep my home when filing bankruptcy?
Our firm helps clients protect their property through strategic bankruptcy planning, including mortgage modification options and Chapter 13 repayment plans.
How do I qualify for Chapter 7 bankruptcy?
Qualification requires passing a means test comparing your income to Florida's median income levels, which our experienced attorneys can help evaluate.
Do you offer free consultations?
Yes, we provide free confidential consultations to discuss your financial situation and explore all available debt relief options.
Can medical debt be discharged in bankruptcy?
Yes, medical debt is typically dischargeable through Chapter 7 bankruptcy, which we help clients eliminate while protecting their rights.
How long does bankruptcy stay on credit reports?
While bankruptcy remains on credit reports for up to 10 years, our clients often see credit score improvement within 12 months of filing.
