Business Details
28 Years
experience
Emergency
services
Trusted Bankruptcy Lawyers in Pensacola, FL
Founded in 1998 by Martin S. Lewis and Steven D. Jurnovoy, our firm specializes in guiding individuals and sole proprietors through Chapter 7 and Chapter 13 bankruptcy proceedings. Recognizing the financial turmoil many face in managing monthly bills and protecting assets, we prioritize educating clients about their options during times of distress. Our attorneys bring decades of combined experience in bankruptcy law, having collectively participated in over 20,000 bankruptcy cases.We emphasize personalized service, offering free consultations and telephonic appointments to ensure accessibility. With four offices across Floridas Gulf Coast, we serve clients throughout the region, combining legal expertise with compassionate support to help families achieve financial stability.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Foreclosure Defense
Creditors' Rights
Details
- Year established: 1998
Highlights and features
- We offer over 20 years of combined experience in bankruptcy law.
- Our team provides personalized service with free initial consultations.
- We serve clients across Florida's Gulf Coast with four convenient offices.
- Our attorneys have handled 10,000+ bankruptcy cases collectively.
- We offer telephonic appointments for immediate accessibility.
What people say
Professional and compassionate
Excellent service
Knowledgeable staff
Stress-free process
Highly recommend
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides debt relief through asset liquidation for qualifying individuals. This process eliminates unsecured debts like credit cards while protecting essential assets through Florida exemptions. Our attorneys guide clients through the 4-month process, ensuring compliance with court requirements while preserving homes, vehicles, and personal property. Ideal for those with limited income seeking immediate debt discharge.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy establishes structured repayment plans for debtors with regular income. This option protects valuable assets like homes and cars while consolidating debts into manageable monthly payments over 3-5 years. Our firm specializes in crafting court-approved plans that balance creditor obligations with client financial capabilities, providing long-term stability for families facing foreclosure or repossession threats.
Foreclosure Defense
Our foreclosure defense services protect homeowners facing property loss through strategic legal interventions. By leveraging bankruptcy protections and direct creditor negotiations, we help clients catch up on missed payments while maintaining residency. The process includes developing payment plans, challenging improper lender practices, and utilizing automatic stay provisions to create breathing room for financial recovery.
Debt Relief
Debt relief services address overwhelming financial obligations through tailored solutions combining bankruptcy and alternative strategies. We evaluate each client's unique situation to determine optimal approaches for eliminating credit card debt, medical bills, and other obligations while protecting assets. Our process includes creditor communication, exemption planning, and long-term financial counseling to prevent future distress.
Creditors' Rights
Creditors' rights services protect debtors from aggressive collection practices through legal enforcement of bankruptcy protections. We immediately halt harassing calls, wage garnishments, and lawsuits through automatic stay enforcement. Our team educates clients about their rights under the Fair Debt Collection Practices Act while developing comprehensive strategies to resolve outstanding obligations within bankruptcy frameworks.
People
Martin S. Lewis
Attorney
Martin Lewis graduated from Cumberland School of Law in 1991 and has practiced bankruptcy law since 1995. With over 10,000 bankruptcy cases handled, he specializes in representing individuals in Chapter 7 and 13 proceedings. He focuses on mortgage issues, tax debts, and asset protection while maintaining a client-centered approach to financial recovery.
Steven D. Jurnovoy
Attorney
Steven Jurnovoy earned his law degree from Villanova University in 1987 and has concentrated on bankruptcy law since 1998. With extensive experience in tax and business planning, he helps clients navigate complex financial situations involving mortgages, student loans, and repossession defense. He brings over 25 years of legal expertise to individual bankruptcy cases.
Questions
What happens during the free bankruptcy consultation?
We review your financial situation, discuss debt relief options, and answer questions about Chapter 7 or 13 bankruptcy processes.
Can bankruptcy stop foreclosure on my home?
Yes, filing bankruptcy triggers an automatic stay that immediately halts foreclosure proceedings.
Will I lose all my property in Chapter 7 bankruptcy?
No, Florida exemptions protect most assets like homes, vehicles, and household goods in Chapter 7 cases.
How does bankruptcy affect my credit score?
While bankruptcy appears on credit reports for 10 years, many clients rebuild credit within 2-4 years through responsible financial management.
Can I file bankruptcy more than once?
Yes, but discharge eligibility depends on prior filings: Chapter 7 every 8 years, Chapter 13 every 2 years.
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