Parker & Dufresne

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Jacksonville Florida Bankruptcy Firm

Parker & Dufresne
8777 San Jose Blvd
Jacksonville, FL 32217

Phone: 904-733-7766
Fax: 904-733-2919

Parker & Dufresne's Websites:
www.pdlawcenter.com
www.jacksonvillechapter7lawyer.com
www.jacksonvillechapter13lawyer.com
www.orlandochapter7attorney.com
www.orlandochapter13attorney.com

Counties Served:

Duval

Areas of Practice:
Bankruptcy

Mission Statement:
We strive to treat every client with dignity, compassion and at the same time, instill in each client the confidence of knowing their case will be handled competently and professionally.

States-Courts Admitted:
All state and federal courts in Florida

Law School:
Stetson University College of Law

Memberships:
National Association of Consumer Bankruptcy Attorneys
National Association of Consumer Advocates
Jacksonville Bankruptcy Bar Association

Practice Areas:
We have represented thousands of debtors in consumer and business bankruptcies throughout North and Central Florida. We also defend hundreds of homeowners in state court foreclosure cases.

Note To Clients:
Our firm is AV rated by Martindale Hubbell and is nationally known for foreclosure litigation. Chip Parker is routinely interviewed by local and national media on foreclosure and bankruptcy related topics.

Firm Members:
Donald M. DuFresne
E. Warren "Chip" Parker, Jr.
Patricia L. Parker
Felecia L. Falana
Amanda Theole

Fees:
Fees in Chapter 7 cases start at $1,500, and fees in Chapter 13 cases generally run $3500.

Established: 1994

Free Consult: Yes

Credit Cards: Yes

Other Locations:
809 Irma Avenue
Orlando, Florida 32803
Telephone: (407) 901-4802

Jacksonville Bankruptcy Lawyer

Many people in Jacksonville, Florida struggle to pay their bills. They may lose hope that they'll ever be able to cover their debt. One option they may turn to is bankruptcy.

There's no magic formula for deciding when bankruptcy is the right choice. It's an option you might consider if you:

  • Are paying only minimum amounts on your bills
  • Can't budget yourself out of debt within five years
  • Are getting notices that your mortgage or loans are being foreclosed
  • Have had a severe financial setback, such as losing your job or a major client, a divorce or a costly illness

Bankruptcy does not get rid of all debts. You're still responsible for:

  • Alimony
  • Child support
  • Most recent back taxes
  • Most student loans
  • Recent large purchases of more than $550 for luxury goods bought within 90 days of filing
  • Fines or penalties of government agencies
  • Fraudulent debts
  • Cash advances of $825 within 70 days of filing

As a Jacksonville, Florida consumer, you can file for bankruptcy in under either:

  • Chapter 7 (Straight Bankruptcy) to wipe out all debts except those listed and get an immediate fresh start or
  • Chapter 13 (Wage Earner Bankruptcy) to set up a repayment plan to pay back your debts over several years' time.

Bankruptcy Abuse Prevention and Consumer Protection Act

On April 20, 2005, the President signed into law the Bankruptcy Abuse Prevention and Consumer Protection Act, which limits individual access to US bankruptcy courts. Some of the changes, which were effective October 17, 2005, included:

  • New bans on Chapter 7
  • Increased Chapter 13 payments
  • New presumptions against debtors with increased penalties
  • The reduction of judicial discretion to balance competing interests

What Can I Keep?

"Exempt" property is property that you are allowed to keep. What property is exempt is determined by state law. The items and amounts in this section may change in the future. Updated information can be found in the state code.

In Florida, you may take only state exemptions. You may not take the exemptions provided by federal bankruptcy laws even though the federal exemptions may be more beneficial.


Creditors are subject to state law provisions incorporated into bankruptcy cases. If a bankruptcy court lifts the automatic stay and permits a specific creditor to seize and liquidate property subject to a lien, creditors must obey all state law limitations on collection practices. For more information, see legal assistance for debtors. Also, all statutory provisions depend on conformity with the prohibition against fraudulent conversions creating exempt property.