Business Details
15 Years
experience
Emergency
services
Your Trusted Bankruptcy and Foreclosure Defense Attorney in Daytona Beach
Since 2011, Skow Law Firm has been dedicated to providing bankruptcy and foreclosure defense services to individuals and businesses in Daytona Beach and throughout Central Florida. Our team of legal professionals, led by James Skow, focuses on delivering personalized solutions tailored to each client's unique financial challenges. We prioritize our clients' interests by offering comprehensive guidance on debt relief options, including Chapter 7 and Chapter 13 bankruptcy, while striving to protect assets and halt foreclosure proceedings.With a commitment to transparency, we provide free initial consultations and work diligently to help clients rebuild their financial futures. Our practice is built on extensive legal expertise, a deep understanding of tax debt complexities, and a dedication to serving communities in Volusia and Flagler Counties, including Daytona Beach, DeLand, and Ormond Beach.
Services
Bankruptcy Law
Foreclosure Defense
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
IRS Tax Debt Help
Details
- Year established: 2011
Highlights and features
- We have over 12 years of experience in bankruptcy and foreclosure law.
- Our team provides personalized debt relief strategies for each client's unique situation.
- We offer free initial bankruptcy consultations to all clients.
- We serve multiple communities across Central Florida, including Daytona Beach and Volusia County.
- Our legal expertise includes stopping foreclosure proceedings and IRS tax debt resolution.
Services
Bankruptcy Law
Skow Law Firm provides comprehensive bankruptcy legal services to help individuals and businesses eliminate or restructure debt. Our expertise includes evaluating eligibility for Chapter 7 liquidation or Chapter 13 repayment plans, protecting assets through exemptions, and halting creditor collection actions. We guide clients through the entire bankruptcy process to achieve financial fresh starts.
Foreclosure Defense
Our foreclosure defense services help homeowners stop impending property seizures through legal strategies like bankruptcy filings, loan modifications, and court litigation. We represent clients in negotiations with lenders and provide emergency interventions to prevent home loss while exploring long-term mortgage solutions tailored to individual financial circumstances.
Chapter 7 Bankruptcy
Skow Law Firm assists clients in qualifying for Chapter 7 bankruptcy to discharge unsecured debts like credit cards and medical bills. We handle means testing requirements, exemption claims, and trustee interactions to ensure eligible clients receive complete debt elimination while retaining protected assets such as homes and vehicles through proper legal documentation.
Chapter 13 Bankruptcy
Our Chapter 13 bankruptcy services help clients reorganize debt through court-approved repayment plans. We develop customized payment schedules for individuals with regular income to address mortgage arrears, tax debts, and other obligations over 3-5 years while maintaining possession of all property, including non-exempt assets.
IRS Tax Debt Help
We provide legal solutions for resolving IRS tax debt through bankruptcy options and alternative payment arrangements. Our services include stopping penalty accruals, negotiating installment agreements, and determining dischargeability of back taxes to help clients achieve compliance while protecting their financial future from government collection actions.
Questions
Will filing bankruptcy stop creditor harassment?
Yes, bankruptcy triggers an automatic stay that immediately halts all collection calls, letters, and legal actions from creditors by court order.
Can bankruptcy stop an active foreclosure?
Filing for bankruptcy can immediately pause foreclosure proceedings, giving homeowners time to catch up on payments or restructure mortgage debt through Chapter 13 plans.
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates qualifying unsecured debts through asset liquidation (with exemptions), while Chapter 13 reorganizes debts into a 3-5 year repayment plan to retain property and address arrears.
How does bankruptcy affect my credit score?
While bankruptcy remains on credit reports for 10 years, it provides a fresh start by eliminating overwhelming debt, allowing many clients to rebuild credit more effectively than continuing with unmanageable obligations.
Can I keep my car if I file bankruptcy?
Most clients retain vehicles through exemption protections in Chapter 7 or by continuing payments under Chapter 13, ensuring transportation needs remain uninterrupted during financial restructuring.
