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    Jacksonville Bankruptcy Lawyer

    Photo of AttorneyThe Law Offices of Carol M. Galloway represents debtors and employees who are struggling with unfair situations. We work to ensure that our clients know their legal rights and options. If you are in debt and cannot find a way out, we can consult with you about the best way for you to get your financial life back on track. If you are working in a hostile or discriminatory environment, we can help hold your employer responsible for their actions.

    Call us today at 904-694-5489 for a consultation with a dedicated Jacksonville bankruptcy lawyer. Hiring a legal advocate puts someone in your corner to fight for your rights. At the Law Offices of Carol M. Galloway, you’ll find an experienced and knowledgeable attorney who takes the time to listen to you and respond to your specific needs. Clients of the firm enjoy the high-level of communication, availability and accessibility they get with their lawyer. Our clients appreciate the fact that their lawyer is dependable, reliable and follows through to get the job done efficiently and effectively. Attorney Carol M. Galloway tells you what you need to know and is by your side every step of the way, so you can be confident the rights moves are being taken to meet your particular legal needs. Call the Law Offices of Carol M. Galloway to experience for yourself what so many others have found – intelligent, creative solutions to your unique situation.

    Chapter 7 Bankruptcy Attorney in Jacksonville, Florida

    Different forms of bankruptcy are available to people and businesses in different circumstances. Chapter 7 bankruptcies allow people to rid themselves of much of their unsecured debt. For individuals facing out-of-control credit card debt or overwhelming medical bills, this form of bankruptcy is often extremely helpful. Not everyone can or should file under Chapter 7, though. People who are behind on mortgage or car payments or individuals who are struggling with secured debts might be better off with a different approach for getting out of debt. Additionally, not everyone can file under Chapter 7, so even some people who might want to pursue this option may have to find an alternative solution to their problem. We can determine whether Chapter 7 is right for you and help you get free of debt while retaining your valuable property.

    For companies going out of business, Chapter 7 provides an orderly process to wind down operations, sell assets and avoid liability for debts the company isn’t able to pay. Bankruptcy attorney Carol M. Galloway provides the technical assistance you need to get through this process swiftly and securely. If wanting to stay in business despite struggling to reach or maintain profitability, we can explore your options with you and offer assistance.

    Chapter 13 Solutions for Homeowners and Wage Earners

    Some of the people who cannot file Chapter 7 bankruptcy might be able to file under Chapter 13, which frees a person from creditor pressure and harassment while adjusting and eliminating debts. To qualify for Chapter 13 bankruptcy, a person must earn a steady income, and the court must approve a repayment schedule that is fair and feasible. This form of bankruptcy is mainly for individuals and not for businesses unless they are sole proprietors. Chapter 13 offers excellent solutions to help homeowners steer clear of foreclosure and make their home mortgage affordable.

    Negotiating with Creditors and Finding the Best Debt Relief Options

    When debt builds up to a point where the debtor cannot repay that which they owe, it is time for that person to consider their legal options. Our law firm can help you analyze the best possibilities in your circumstances. Whether you are thinking about filing for yourself or on behalf of a small business, we can consult with you on which path will provide you will the best way out of your financial trouble.

    Sometimes, you might be able to settle your debts without filing for bankruptcy, and we can help in those cases as well. Creditors can become aggressive and threatening, and their tactics sometimes violate laws like the Fair Debt Collection Practices Act. Hiring an attorney means that the creditors will now have to deal with a professional who can negotiate on your behalf. In many cases, a creditor will want to try to reach a settlement because without doing so, the debtor might later file for bankruptcy, leaving that creditor without the ability to recover even part of the debt.

    Each case involves a different mix of assets and debt types, so it is vital to get help from someone who can review your particular circumstances. While debt can become daunting, it is not something you have to tackle alone. The Law Offices of Carol M. Galloway represents debtors and protect their rights from aggressive or unscrupulous creditors. Our experienced Jacksonville Chapter 7 & 13 bankruptcy lawyer can help you find a way to get your finances back on track.

    Employment Law Attorney Serving Jacksonville, Florida

    Federal and state laws regulate the workplace. The federal government protects employees from a wide range of discrimination and harassment at work. Florida law builds onto those laws and adds additional protected categories. While the law exists to prohibit wrongful conduct, many employees may find that their employer does not feel the need to comply.

    Discrimination can come in many forms, including negative treatment based on age, sex, race, gender, sexual orientation, pregnancy, Americans with Disabilities Act (ADA) and others. Harassment is another form of wrongful conduct that can make going to work uncomfortable or worse for some workers. It is important to know that discrimination and harassment are illegal, and employers who carry out these practices or who permit ongoing harassment and discrimination can face severe consequences as a result. Such employers can be made to pay money damages to the employee.

    Call the Law Offices of Carol M. Galloway in Jacksonville for Help With Financial Distress Issues

    At the Law Offices of Carol M. Galloway, we strive to provide our clients with exceptional customer service and counsel. People seeking debt relief can often feel that they are struggling alone. However, you do not have to confront these challenges by yourself. Contact us today at 904-694-5489 for a free initial consultation with an experienced Jacksonville bankruptcy lawyer.

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    Carol is amazing to say the least!

    Carol helped me out some time ago but, she runs across my mind often not only because of her professionalism but, because she was so caring . I wasn’t sure if I ever told her how grateful I was and, still am for the kindness shown during a time when...Read More

    — Sharon
    The world needs more people like her

    Ms. Galloway is a very nice, professional attorney who really goes the extra mile to help people. I contacted her by mistake and I'm not her client however she took time out of day to assist me anyway. The world needs more people like her. Thank You Very Much

    — Jack
    What you get when you use Carol M. Galloway

    When looking for a Bankruptcy lawyer we were blessed by Carol. From the start she explained everything. My husband and I were confident we were in good hands. From our very first phone conversation, she told us everything we needed to bring to our first meeting. Jeff and I were...Read More

    — Marianne
    Best Attorney

    Carol has aided and guided my wife and I throughout a difficult period in our lives as the result of our business shutdown. Her advice was spot on and she handled our cases with care and compassion that we did not expect. We are very pleased with Carol’s professionalism and...Read More

    — Steve

    My case was not a easy one to do. But she took it and handled it very well. I never called when she didn’t return my call even if it was at night. Couldn’t be more please with the professional service that was provided for me. Would use her again...Read More

    — Richard

    Carol Galloway is the most professional lawyer I have been associated with for legal purposes. After consulting with other attorneys, I was extremely disappointed in their way of conducting business. I knew after minutes that she was more than capable of doing what I had envisioned. She was very knowledge...Read More

    — Anthony
    Excellent Attorney

    I would like to thank you Carol Galloway for all your help and the work your staff did for me during my Bankruptcy! When I was searching for a Bankruptcy attorney online Carol Galloway was the only attorney to call me and willing to help me. I hired Carol Galloway...Read More

    — Deborah
    Best attorney out there!

    After talking to multiple attorneys on the subject of bankruptcy, Carol was the only one who truly took the time to explain every aspect of what was going to happen throughout the process. She stayed up late the night we needed to file because my husband needed to talk to...Read More

    — Aleshia
    chapter 13 converted to chapter 7

    Carol has so much knowledge. My wife and I had never been through this process. First off, personally we were scared, embarrassed and terrified. Secondly, we unexpectedly had to change from a Ch 13 to Ch 7 because I lost my job. Carol helped with the process and once meeting...Read More

    — Client
    CH 13 Bankruptcy

    Ms. Galloway was very helpful over these last five years. She was always very responsive when I had a question. There was never a question she thought was stupid and always treated me respectfully. I would highly recommend her.

    — Lance
    Meet Carol M. Galloway

    Carol began practicing consumer bankruptcy law soon after leaving law school. She concentrated her efforts on consumer issues related to student loan dischargeability in bankruptcy, Fair Debt Collection Practices Act, and Fair Credit Reporting Act practices. Her practice has involved all aspects of both Chapter 7 and Chapter 13 bankruptcy law. Carol is a Supreme Court of Florida Circuit Civil Mediator. She routinely serves as a mediator for mortgage loan modification mediations for debtors in bankruptcy.