Business Details
28 Years
experience
Emergency
services
Trusted Bankruptcy Lawyers in Pensacola, FL
Lewis & Jurnovoy, established in 1998, specializes in providing legal representation for individuals and sole proprietors navigating Chapter 13 Debt Consolidation and Chapter 7 Straight Bankruptcy. With over 20 years of combined experience, attorneys Martin Lewis and Steven Jurnovoy focus on empowering clients in financial distress by offering tailored solutions to protect assets and discharge debts.The firm serves communities across the Florida Panhandle, Gulf Coast, and Northwest Florida, emphasizing transparency, compassion, and expertise in bankruptcy law. Their approach prioritizes client education, personalized service, and ethical representation to help individuals regain financial stability.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Bankruptcy Consultation
Student Loan Law
Details
- Year established: 1998
Highlights and features
- We have over 20 years of experience in bankruptcy law.
- Our team provides personalized, compassionate legal guidance.
- We offer free initial consultations with no upfront fees.
- We serve clients across four convenient Florida locations.
- We prioritize transparency and ethical representation.
What people say
Compassionate
Professional
Stress-free process
Knowledgeable
Excellent service
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unsecured debts through asset liquidation. Our attorneys help clients determine eligibility, protect exempt property, and navigate the discharge process efficiently. This option suits individuals with limited income seeking immediate debt relief.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debts into manageable monthly payments. We assist clients in creating court-approved repayment plans, stopping foreclosures, and retaining valuable assets while repaying creditors over 3-5 years.
Debt Relief
Our debt relief services include negotiating with creditors, reducing balances, and halting collection actions. We provide tailored solutions to stop wage garnishments, repossessions, and lawsuits while restoring financial stability.
Bankruptcy Consultation
Free initial consultations evaluate your financial situation, explain bankruptcy options, and address concerns about asset protection and credit impact. Our attorneys provide clear guidance to make informed decisions.
Student Loan Law
We explore options for managing student loan debt during bankruptcy, including hardship exceptions and repayment strategies. Our team helps clients understand their rights and minimize long-term financial obligations.
People
Martin S. Lewis
Attorney
Martin Lewis has practiced bankruptcy law since 1991, specializing in Chapter 7 and 13 filings. With over 10,000 cases handled, he focuses on compassionate client support and strategic debt relief solutions.
Steven D. Jurnovoy
Attorney
Steven Jurnovoy brings expertise in tax and bankruptcy law, with 25+ years of experience. He specializes in debt consolidation and asset protection, helping clients navigate complex financial challenges.
Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates most debts through asset liquidation, while Chapter 13 restructures debts into a 3-5 year repayment plan. Our attorneys help determine which option suits your financial situation.
Will filing bankruptcy stop foreclosure on my home?
Yes, filing bankruptcy triggers an automatic stay that halts foreclosure proceedings, giving you time to catch up on payments or restructure debts through Chapter 13.
Can I keep my car if I file bankruptcy?
In most cases, you can keep your vehicle by continuing payments or reaffirming the loan. Chapter 13 allows you to catch up on arrears through a repayment plan.
How does bankruptcy affect my credit score?
While bankruptcy impacts credit for 7-10 years, it often improves scores by eliminating overwhelming debt. Clients report rebuilding credit within 2-4 years post-discharge.
What documents are needed for a bankruptcy consultation?
Bring recent pay stubs, tax returns, asset lists, and creditor statements. Our team will review your financial situation and guide you through required documentation.
Are student loans dischargeable in bankruptcy?
Student loans are generally non-dischargeable unless repayment causes undue hardship. We explore all options to minimize your financial burden during bankruptcy proceedings.
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