Bankruptcy
Attorneys

Serving Northwest Florida

since 1996

    Request A Free Bankruptcy Consultation



    Filing For Bankruptcy Protection

    Harassing phone calls, letters, or emails from creditors can disrupt your life and add to the illusion that there’s no way out. Fortunately, federal law provides qualified consumers with protection from creditors and a clear path to a fresh start. Generally, filing for bankruptcy protection will bring an immediate end to creditor phone calls, lawsuits, foreclosures, repossessions, and wage garnishments.

    The Automatic Stay

    When a debtor files a Bankruptcy case, the court orders an automatic stay that immediately prohibits most creditors from continuing any collection efforts. In short, creditors are forced to decide whether to participate in the Bankruptcy process or to forever forfeit any debt that is owed. 

    Preventing Home Foreclosure

    An automatic stay forces mortgage lenders to suspend all collection efforts, including where foreclosure proceedings had already been initiated prior to the filing of the Bankruptcy case. If a debtor files Bankruptcy under Chapter 7, the lender must not resume with the foreclosure process without the permission of the Bankruptcy Court. Alternatively, if a debtor files under Chapter 13, the lender is required to accept whatever payment plan the Court deems to be appropriate.   

    Free Bankruptcy Consultations

    For more than 20 years, the Bankruptcy attorneys at Risen & Ryan have been helping clients across Northwest Florida get the debt relief they need. Our firm is a designated debt relief agency, pursuant to Federal Law, and we provide free Bankruptcy consultations. Complete the Request A Free Bankruptcy Consultation form, and a member of our team will contact you as soon as possible to schedule an in-office or phone appointment that fits your schedule. 

    Client Reviews

    Highly recommend. They made a difficult process very simple. Their communication is first rate. Walked me through the entire process. Answered all my questions along the way without hesitation.

    - Matthew C.

    Risen & Ryan
    5
    2020-03-09T12:41:07-05:00

    - Matthew C.

    Highly recommend. They made a difficult process very simple. Their communication is first rate. Walked me through the entire process. Answered all my questions along the way without hesitation.
    We are very pleased with his work. he does his job very well. he looks out for his clients helps them in every way he can and explains it in easy words so you can understand, not big lawyer words. Glad he stands up for my son and his rights. As a parent, we thank him and his assistant and office staff. They are very understanding. Love them very much.

    - Donna T.

    Risen & Ryan
    5
    2020-03-09T12:47:34-05:00

    - Donna T.

    We are very pleased with his work. he does his job very well. he looks out for his clients helps them in every way he can and explains it in easy words so you can understand, not big lawyer words. Glad he stands up for my son and his rights. As a parent, we thank him and his assistant and office staff. They are very understanding. Love them very much.
    Very helpful and will get the job done with good results. They helped me and my family and we’re very happy today. I’m sure they can help you as well. They’re fighters and very professional.

    - Connie M.

    Risen & Ryan
    5
    2020-03-10T10:35:05-05:00

    - Connie M.

    Very helpful and will get the job done with good results. They helped me and my family and we’re very happy today. I’m sure they can help you as well. They’re fighters and very professional.
    Great communication, professional and very helpful. My parents and I highly recommend Risen and Ryan!!!

    - Dee J.

    Risen & Ryan
    5
    2020-03-10T10:35:40-05:00

    - Dee J.

    Great communication, professional and very helpful. My parents and I highly recommend Risen and Ryan!!!
    I highly recommend Risen & Ryan they helped me in my time of need, very professional !!!!

    - Dennis C.

    Risen & Ryan
    5
    2020-03-10T11:00:01-05:00

    - Dennis C.

    I highly recommend Risen & Ryan they helped me in my time of need, very professional !!!!
    Best law firm! Shawn has been there for me since day one. He's helped me out so much and is very knowledgeable on telling you what you need to know and puts in great terms what to do in a situation! Very nice and polite staff and very professional. Will recommend to anyone and everyone!

    -Daniel S.

    Risen & Ryan
    5
    2020-03-16T18:42:32-05:00

    -Daniel S.

    Best law firm! Shawn has been there for me since day one. He's helped me out so much and is very knowledgeable on telling you what you need to know and puts in great terms what to do in a situation! Very nice and polite staff and very professional. Will recommend to anyone and everyone!
    5
    6
    Risen & Ryan
    Bankruptcy
    Attorneys
    Serving Northwest Florida
    since 1996

    Filing For Bankruptcy Protection

    Harassing phone calls, letters, or emails from creditors can disrupt your life and add to the illusion that there’s no way out. Fortunately, federal law provides qualified consumers with protection from creditors and a clear path to a fresh start. Generally, filing for bankruptcy protection will bring an immediate end to creditor phone calls, lawsuits, foreclosures, repossessions, and wage garnishments.

    The Automatic Stay

    When a debtor files a Bankruptcy case, the court orders an automatic stay that immediately prohibits most creditors from continuing any collection efforts. In short, creditors are forced to decide whether to participate in the Bankruptcy process or to forever forfeit any debt that is owed. 

    Preventing Home Foreclosure

    An automatic stay forces mortgage lenders to suspend all collection efforts, including where foreclosure proceedings had already been initiated prior to the filing of the Bankruptcy case. If a debtor files Bankruptcy under Chapter 7, the lender must not resume with the foreclosure process without the permission of the Bankruptcy Court. Alternatively, if a debtor files under Chapter 13, the lender is required to accept whatever payment plan the Court deems to be appropriate.   

    Free Bankruptcy Consultations

    For more than 20 years, the Bankruptcy attorneys at Risen & Ryan have been helping clients across Northwest Florida get the debt relief they need. Our firm is a designated debt relief agency, pursuant to Federal Law, and we provide free Bankruptcy consultations. Complete the Request A Free Bankruptcy Consultation form, and a member of our team will contact you as soon as possible to schedule an in-office or phone appointment that fits your schedule. 

      Request A Free Bankruptcy Consultation