Could Chapter 7 be right for you?

Chapter 7 bankruptcy allows a filer to discharge – or eliminate – unsecured debt such as credit card debt, medical bills and deficiency balances due to auto repossession. In order to be eligible, individuals must pass a means test. This evaluation determines if you have enough money to make minimum payments to your creditors through a Chapter 13 payment plan. If you do not, you are eligible to file for Chapter 7.

In Chapter 7 you should receive a discharge of all dischargeable debts within four months to six months.

Non-dischargeable debts under Chapter 7 include:

  • Certain taxes and tax liens

  • Student loans

  • Alimony and child support (domestic support obligations)

  • Debts obtained through fraud, false pretenses or false representation

  • Debts you failed to schedule in time to allow creditors to file proofs of claim (unscheduled debts)

  • Debts for fraud while you were acting in a fiduciary capacity, or for embezzlement or larceny

  • Debts for willful and malicious injury

  • Debts for fines or penalties to governmental units

  • Debts for judgments in wrongful death or personal injury lawsuits resulting from motor vehicle, vessel or aircraft accidents while you were intoxicated

  • Condominium or cooperative association fees or assessments after your bankruptcy case has been filed with the court

We are a close family owned and operated law firm but we deal with big challenges each day. Whether our clients are businesses or individuals, many face serious financial issues. Others may not be as deep in debt but are still suffering due to the stress of their financial situation. Whatever the circumstances that bring you to our office, we treat every client with compassion and respect. Our office is a haven where you can feel comfortable sharing the details of your financial situation in a casual, confidential environment. Low quotes usually correlate with low quality representation. Get a lawyer with experience that can help you WIN your case.

Let Pinkston & Pinkston, P.A. help you open a new financial chapter like we have been doing for over 25 years now.

A solution to your financial issues may be closer than you think. The seasoned Chapter 7 and Chapter 13 attorneys at Pinkston & Pinkston, P.A. in Jacksonville can help determine if bankruptcy is the right option for you or your business. Call us at (904) 389-5880 or contact us online to schedule your free consultation today.


Bankruptcy Process | We listen without judgment and then together we determine if filing for bankruptcy is the right option for you or if debt consolidation or debt negotiation might be a better fit. Once a path has been selected, we guide you through the process every step of the way, offering:

  • Friendly, personal attention.  We take the time to get to know you, understand your concerns and explain each aspect of the bankruptcy process. We keep you informed regarding your case and are prepared to answer your questions. Your calls, emails or texts are promptly returned and we are always accessible via phone, email or txt.

  • At Pinkston & Pinkston, P.A., you are never just a name on a case file. While you deal directly with attorney David Pinkston on nearly all issues, our entire staff is ready and willing to assist you by scheduling appointments and answering routine questions.

  • Dedicated advocacy. As a family-owned and operated debt relief agency, we strongly value people and community. When we take your case, we become your advocates â�� helping you determine the best path to resolve your debt and then leading you through the complex legal issues involved. We are honest with you regarding your financial circumstances and the likely outcome of potential solutions, and we work hard to obtain the best possible results for you.

  • Affordable service. When you are experiencing financial difficulties, the last thing you need is more debt. That’s why at Pinkston & Pinkston, P.A., we represent you at an affordable rate and strive to resolve your case as efficiently and effectively as possible. We offer a free initial consultation and payment plans are available. We accept major credit cards like MasterCard and Visa.

  • Experienced representation. For over 25 years, Pinkston & Pinkston, P.A. has handled countless bankruptcy cases in Florida. We use our in-depth knowledge of bankruptcy law and our familiarity with the bankruptcy courts throughout the region to help ensure you receive the quality legal counsel you deserve.


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