Business Details
24 Years
experience
Jacksonville Bankruptcy & Debt Relief Solutions
At Law Offices Of Carol M Galloway, P.A., we specialize in guiding individuals and businesses through complex financial challenges with expertise and compassion. With decades of experience in bankruptcy law and employment law, our firm is dedicated to helping clients regain control of their financial futures. We offer personalized legal strategies tailored to each client's unique circumstances, whether facing overwhelming debt, creditor harassment, or workplace discrimination. Our practice spans Chapter 7 and Chapter 13 bankruptcies, debt settlement, and employment law protections, ensuring comprehensive solutions for debt relief and workers' rights.As a Supreme Court of Florida Circuit Civil Mediator, we bring specialized expertise to mortgage loan modification mediations. Our commitment to accessibility is reflected in free initial consultations and flexible payment plans. Clients consistently praise our responsiveness, transparency, and the personalized attention they receive throughout their legal journey.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Business Bankruptcy
Debt Settlement
Medical Debt Relief
Employment Law Protection
Mortgage Modifications
Credit Card Debt Defense
Student Loan Counseling
Details
- Year established: 2002
Highlights and features
- We offer free confidential consultations with experienced bankruptcy attorneys
- Our firm provides personalized debt relief strategies tailored to individual circumstances
- We combine technical legal expertise with compassionate client advocacy
- Our attorney has specialized mediation training for mortgage loan modifications
- Clients consistently praise our responsive communication and transparent process
Associations and certifications
- Supreme Court of Florida Circuit Civil Mediator
What people say
Exceptional communication
Compassionate support
Successful debt relief
Personalized attention
Professional expertise
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides debt relief through asset liquidation for qualifying individuals and businesses. This process eliminates unsecured debts like credit card balances and medical bills while protecting essential assets. Our experienced attorneys guide clients through the means test requirements and exemption protections to ensure maximum debt discharge while maintaining necessary property. Ideal for those with limited income seeking immediate financial relief.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy offers debt restructuring solutions for individuals with regular income. This process creates manageable repayment plans over 3-5 years while protecting assets from foreclosure or repossession. Our firm specializes in crafting feasible payment schedules that address mortgage arrears, vehicle loans, and priority debts while providing immediate creditor protection through automatic stay provisions.
Employment Law Protection
Employment Law Protection services defend workers against discrimination and harassment in the workplace. We represent clients facing unfair treatment based on protected characteristics including race, gender, and disability. Our practice addresses Title VII violations, ADA accommodations, and wage disputes while ensuring compliance with Florida's specific employment regulations and federal protections.
Debt Settlement
Debt Settlement services negotiate with creditors to reduce total debt obligations outside bankruptcy. Our attorneys leverage legal expertise to resolve credit card debt, medical bills, and collection accounts through strategic negotiations. This service benefits clients who don't qualify for bankruptcy but need structured debt resolution while protecting their rights under the Fair Debt Collection Practices Act.
Mortgage Modifications
Mortgage Modification services help homeowners restructure loan terms to prevent foreclosure. As certified mediators, we work with lenders to secure reduced interest rates, principal adjustments, and payment plans. This service combines legal advocacy with financial analysis to create sustainable mortgage solutions while navigating complex bankruptcy court requirements for secured debt adjustments.
People
Law Offices Of Carol M Galloway
Attorney
Law Offices Of Carol M Galloway is a Florida-licensed attorney specializing in bankruptcy and employment law with over 20 years of experience. She graduated Magna cum laude from Pace University, earned a Master's in Counseling from Fordham University, and received her Juris Doctor from Florida Coastal School of Law. As a Supreme Court of Florida Circuit Civil Mediator, she brings specialized expertise to debt resolution cases.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcies for individuals and businesses. Our firm also provides guidance on business bankruptcy options including Chapter 11 reorganization.
How do I know which bankruptcy chapter is right for me?
During your free consultation, we'll analyze your income, assets, and debt types to determine eligibility for Chapter 7 liquidation or Chapter 13 repayment plans based on your specific financial situation.
Can medical debt be discharged in bankruptcy?
Yes, medical debt is typically dischargeable in Chapter 7 bankruptcy. Our attorneys will help you understand how bankruptcy can eliminate medical bills while protecting your essential assets.
What happens during the bankruptcy process?
The process begins with credit counseling, followed by filing petitions and attending a trustee meeting. Our team guides you through document preparation, automatic stay implementation, and final discharge proceedings.
How does bankruptcy affect my credit score?
While bankruptcy initially impacts credit scores, most clients see improvement within 12 months. We provide post-bankruptcy credit rebuilding guidance to help establish new financial stability.
Can I keep my home during bankruptcy?
Chapter 13 bankruptcy often allows homeowners to retain property through repayment plans. Our attorneys use exemption laws and mortgage modification options to protect real estate assets during bankruptcy proceedings.
