Law Office of David C. Meltzer, PLLC

05/06/2026

https://www.tampabay.com/viewpoints/2026/04/30/foreclosures-debt-bankruptcies-floridas-economic-warning-signs-column/

Florida’s overall economy isn’t in crisis, but three key indicators have trended in the wrong direction.

11/06/2025

It’s tough out there right now. Reports show that personal bankruptcy filings are rising fast as people face mounting financial stress. If you’re feeling the pressure, know that you’re not the only one. There’s no shame in asking for help or exploring ways to start over.

More consumers are seeking a lifeline amid challenging economic conditions and waning financial optimism.

11/05/2025

Auto repossessions have reached their highest level in 15 years - a clear sign that financial pressure is mounting for many households.

Car repossessions US recession warning: Car repossessions in the US have surged to a 15-year high, raising alarms about a possible recession as millions struggle with rising costs and stagnant wages.

02/05/2025

If you are struggling with overwhelming debt, you may be wondering what your options are. While many people are hesitant to pursue bankruptcy, it may be the best way to get a fresh start.

Visit our website or call us today to schedule your free consultation (904)500-3328

Chapter 7. Get legal help from our attorneys at The Law Office of David C. Meltzer, PLLC if you are in need of .

11/22/2024

Interesting article written by The New York Times how bankruptcy can give you a financial fresh start. Don’t be ashamed and give yourself a second chance!

Many people who should consider filing for bankruptcy avoid doing so out of shame or fear it could ruin their credit. But it can provide much-needed relief.

11/08/2024

TAKE THE FIRST STEPS TOWARDS A BRIGHTER FINANCIAL FUTURE!

We are deeply invested in your long-term financial health and will utilize all our firm’s resources to get you the relief you need. Our services are tailored to each client’s unique situation. Whether you are struggling to save your home or are drowning in medical debt, we can work with you to create a plan and give your case the personalized, dedicated attention it deserves.

Get a fresh start with the help of our Jacksonville bankruptcy attorney at The Law Offices of David C. Meltzer, PLLC. Schedule a free consultation today.

01/04/2024

Happy New Year!! 🎊💰💳 2024 is your year

TAKE THE FIRST STEPS TOWARDS A BRIGHTER FINANCIAL FUTURE.

At The Law Offices of David C. Meltzer, PLLC, we help clients throughout Florida overcome financial difficulties through bankruptcy. This powerful form of relief can eliminate debt, reorganize your finances, stop collection actions, resolve certain types of liens, and more.

Visit our website today to schedule a FREE consultation.

Get a fresh start with the help of our Jacksonville bankruptcy attorney at The Law Offices of David C. Meltzer, PLLC. Schedule a free consultation today.

08/25/2023

Title: Understanding the Tenancy by the Entirety Exemption in a Chapter 7 Bankruptcy Case in Florida

In Florida, the tenancy by the entirety (TBE) exemption plays a crucial role in Chapter 7 bankruptcy cases, providing significant protection for married couples. This legal provision can be a lifesaver for those who own joint property and are facing financial hardship.

Tenancy by the entirety refers to a type of property ownership that's exclusively available to married couples. Under this arrangement, both spouses are considered as one legal entity. This means that creditors of one spouse cannot lay claim to property held as tenancy by the entirety unless both spouses are liable for the debt.

In a Chapter 7 bankruptcy case, this exemption can protect your jointly owned property from being liquidated by the bankruptcy trustee. If one spouse files for bankruptcy and the couple owns property as tenants by the entirety, creditors of the bankrupt spouse cannot reach this property unless both spouses owe the debt.

Understanding how the tenancy by the entirety exemption works can be complex, but it's crucial for protecting your assets in a bankruptcy case. As a seasoned bankruptcy lawyer in Florida, I can help you navigate these complexities and make informed decisions about your financial future. Don't face bankruptcy alone; reach out today for a consultation and let's discuss your options.

08/25/2023

📢 Attention, Florida residents! Are you facing the challenge of wage garnishment? We're here to shed light on this issue and provide you with a potential solution. Wage garnishment can be a stressful situation, but did you know that filing for bankruptcy can halt this process? Let's dive into the details.

In Florida, wage garnishment occurs when a creditor legally collects a portion of your wages to satisfy a debt. The law allows creditors to garnish up to 25% of your disposable income, or the amount by which your weekly income exceeds 30 times the federal minimum wage. This can significantly impact your financial stability and make it difficult to meet your basic needs.

However, filing for bankruptcy can put a stop to wage garnishment. When you file for bankruptcy, an automatic stay is put into place, which prohibits most creditors from taking any further collection actions against you. This includes wage garnishment. The automatic stay provides immediate relief and gives you the breathing room needed to reassess your financial situation.

There are two common types of bankruptcy for individuals in Florida: Chapter 7 and Chapter 13. In Chapter 7 bankruptcy, your non-exempt assets are liquidated to pay off your debts, providing a fresh start. Wage garnishment is typically terminated upon filing, allowing you to regain control of your income.

Alternatively, Chapter 13 bankruptcy involves creating a repayment plan to settle your debts over a specified period, usually three to five years. During this time, wage garnishment is halted, and you make affordable monthly payments based on your income and expenses.

It's important to note that certain types of debts, such as child support or alimony, may not be dischargeable through bankruptcy. These obligations generally continue even if you file for bankruptcy.

If you find yourself in a situation where wage garnishment is impeding your financial well-being, consider consulting with a bankruptcy attorney in Florida. They can guide you through the process, help you understand your options, and determine the most suitable path for your specific circumstances.

Remember, bankruptcy is a legal process with long-term consequences, so it's vital to seek professional advice and carefully evaluate your situation before making any decisions. Taking the necessary steps to address your financial challenges can lead you towards a brighter, debt-free future.

04/30/2023

Check out our new website!

JACKSONVILLE BANKRUPTCY LAWYER
Serving Nassau, Duval, St. John, Clay, Baker, Marion, Flagler, and Putnam Counties

Get a fresh start with the help of our Jacksonville bankruptcy attorney at The Law Offices of David C. Meltzer, PLLC. Schedule your free consultation today.