Pensacola Bankruptcy Lawyer

Serving Escambia & Santa Rosa Counties. Pensacola – Gulf Breeze – Perdido Key – Pace – Milton – Navarre & Surrounding Areas.

Pensacola Bankruptcy Lawyer Charles C. Garretson is available to provide expert advice on the possibility of Bankruptcy protection. Bankruptcy offers several options and the one that is potentially best for you will depend on a number of factors. I am here to discuss your factors to determine if Bankruptcy is right for you.

Chapter 7 Bankruptcy

Chapter 7 is a section of the federal Bankruptcy Code that provides for outright cancellation of most types of personal debts without a repayment plan and for possible sale of some types of nonexempt property to pay such debts.

Also known as “straight bankruptcy,” Chapter 7 is the most common type of bankruptcy, because it is the process of liquidating property and using the proceeds to repay debts.

When filing under Chapter 7, you are allowed to exempt, or keep, certain property. Whatever property remains is turned over to the court to be sold. If you have few or nonexempt assets, it is likely your debts will be discharged without you having to pay anything.

Contact Pensacola Bankruptcy Lawyer Charles C. Garretson. Simply complete the Case Form below or call me at 850.438.5178 to schedule your free consultation to learn more about the level of service you can expect.

My Fee

$1,000 plus costs

Common Bankruptcy Questions…

  • DO I QUALIFY TO FILE BANKRUPTCY?

    For the past 10+ years whether you can file Chapter 7 bankruptcy is dependent upon the amount of money made by all of the people that live with you no matter their age or whether they work or not. You’ll have to contact me and tell me how many people live with you and the GROSS (before any deductions) your and all people that work make so I can look at the Means Test chart to tell you if your qualify to file. Most people do!

  • HOW LONG WILL THE PROCEEDING LAST?

    A Chapter 7 case begins with the filing of a petition and ends with the closing of the case by the court. If the debtor does not have any nonexempt assets for the trustee to collect, the case will most likely be closed shortly after the debtor receives his or her discharge, which is usually about four months after the case is filed. If the debtor has nonexempt assets for the trustee to collect, the length of the case will depend on how long it takes the trustee to collect the assets and perform his or her other duties in the case. Most consumer cases with assets last less than six months, but some last considerably longer.

  • DO BOTH HUSBAND AND WIFE HAVE TO FILE BANKRUPTCY?

    Generally, both husband and wife do not have to file bankruptcy jointly. Both husband and wife should file, however, if one or more substantial dischargeable debts are owed by both spouses.

    If both spouses are liable for a substantial debt and only one spouse files under Chapter 7, the creditor may later attempt to collect the debt from the non-filing spouse, even if he or she has no income or assets.

  • DOES A PERSON LOSE ANY LEGAL OR CIVIL RIGHTS?

    Filing a Chapter 7 bankruptcy is not a criminal proceeding, and a person does not lose any civil or constitutional rights by filing.

  • WHAT ABOUT MY MORAL OBLIGATION TO PAY MY DEBTS?

    The decision whether or not to seek bankruptcy relief is a difficult one. One should remember that bankruptcy is a right guaranteed by law and provided for in the Constitution of the United States of America. An individual should consider it in terms of the hardship it may avoid for his or her family. It may be that it is the only way to provide them food, clothing and shelter in hard times. One must often decide that his or her obligation to provide for children or loved ones outweighs the obligation to pay his or her creditors.

  • CAN I INCLUDE TAXES?

    Generally, taxes are not avoidable unless they still unpaid for three years from the date your filed your tax return when you file a Chapter 7 bankruptcy.

Tell Me About Your Case


Please provide thorough details of your case below and I will provide a free case evaluation. You can also contact me with any questions.

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Serving Escambia & Santa Rosa Counties. Pensacola – Gulf Breeze – Perdido Key – Pace – Milton – Navarre & Surrounding Areas.

Pensacola Office

207 S. Baylen St. Pensacola, FL 32502
850.438.5178 850.432.4394 (Fax)

New Orleans Office

8025 St Charles Ave. New Orleans, LA 70118 *
*No mail to this Address

© 2019 Charles C. Garretson, Esq. – thepensacolalawyer.com