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Eric Steven Ruff

Eric Steven Ruff

Practice areas:

Bankruptcy & Debt

About Me

I like being able to lower the stress level and pain in my clients' lives.  Before they come to see me, clients are often under a barrrage of phone calls, day and night, from bill collectors.  Some are being sued in court for unpaid bills.  Almost all wish they could pay the bills but they cannot.  The resulting stress often pushes marriages to the breaking point.  I believe that kids are sensitive to the stresses their parents are suffering and that means the kids suffer too.  The pressure of debts that can't be paid makes everyone unhappy.  Bankruptcy, on the other hand, can relieve the stress.  My clients often end up owing only the debts they want to keep, typically house mortgages and car payments.  I have had couples come up to me long after the bankruptcy has concluded thanking me for the work and telling me how their marriage and lives are better.  I try to do first rate legal work, but the credit for the change these folks are enjoying goes to the bankruptcy law itself. We are lucky to have such a law and I like being a bankruptcy lawyer.  It is an enjoyable job.


Photos and Videos

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Practice Areas

Licensed since 1979

  1. Bankruptcy & Debt: 100%
    36 years, 2.9 thousand cases



Free Consultation (30 minutes)

Payment Types:

Cash, Check, Credit Card

Attorney Endorsements

4 total 

  • David Albert King

    I have known Eric since 1992. I have sent many clients to Eric over those years due to his expertise in the field of bankruptcy law. I have never had anything but excellent feedback from my clients concerning his representation of them.


    David King Corporate & Incorporation Attorney
    Relationship: Worked together on matter

  • Richard Milton Knellinger

    I have known and worked with Mr. Ruff for more than thirty years. I continue to refer my clients to him because he is highly intelligent, knowledgeable, resourceful and effective. He is my "go to" guy in bankruptcy.


    Richard Knellinger Family Attorney
    Relationship: Fellow lawyer in community

Contact Info

Eric S. Ruff

Ruff & Cohen, P.A.
4010 Newberry Road, Suite G
Gainesville, FL, 32607

Ruff & Cohen

1756 University Blvd. South
Jacksonville, FL, 32216




FLMember in Good Standing197908/12/2015

Professional Misconduct

We have not found any instances of professional misconduct for this lawyer.

Avvo Contributions

Legal Answers


Award NameGrantorDate Granted
Client Distinction AwardMartindale-Hubbell2015
AV Preeminent 5.0 out of 5 Peer Review RatedMartindale-Hubbell2015
Top Bankruptcy Law FirmLAWS.com2013
BV Distinguished RatingMartindale-Hubbell2013
Client Distinction AwardMartindale-Hubbell2013
BV Distinguished ratingMartindale-Hubbell2011
BV RatedMartindale-Hubbell2010
BV RatedMartindale-Hubbell2009
BV RatedMartindale-Hubbell2008
Paul Harris FellowRotary Club of Downtown Gainesville1998
Certficate of Recognition of Academic ExcellenceFlorida Law Review1979
Book Award for Contracts !University of Florida College of Law1976

Work Experience

TitleCompany NameDuration
PresidentRuff & Cohen, P.A.1986 - Present
AssociateTrinkle, Redman, Alley & Moody, P.A.1980 - 1985
AssociateLaw Office of William Randolph Klein1979 - 1980


Association NamePosition NameDuration
Jacksonville Bankruptcy Bar AssociationMember2011 - 2013
Clay County Bar AssociationMember2011 - 2013
Madera Community Association, Inc.Director2009 - 2011
Democratic PartyOfficial Poll Watcher2008 - 2008
CLO Alumni Foundation, Inc.Director2006 - 2012
Democratic PartyOfficial Poll Watcher2004 - 2004
Plaza West Condominium Association, Inc.Director and past Secretary2000 - Present
Rotary Club of Downtown GainesvilleDirector1996 - 1996
Eighth Judicial Circuit Bar AssociationEditor of Newsletter1988 - 1989
Tampa Bay Osborne Computer Users GroupPresident1983 - 1983
Ruff Software, Inc.President1983 - 1984
Hillsborough County Bar AssociationChairman of the East Division1981 - 1982

Legal Cases

Case NameOutcome
Williams v. Feather Sound, Inc., 386 So.2d 1238 (Fla. 2d DCA 1980)On appeal obtained reversal for client at Florida 2nd District Court of Appeal
Kent v. Connecticut Bank and Trust Co. NA, 386 So.2d 902 (Fla. 2d DCA 1980)On appeal obtained reversal for client at Florida 2nd District Court of Appeal
Hall Truck Sales, Inc. v. Wilder Mobile Homes, Inc., 402 So.2d 1299 (Fla. 2d DCA 1981)On appeal obtained reversal for client at Florida 2nd District Court of Appeal

See all Legal Cases 


Publication NameTitleDate
Laws.comUnderstanding the Power of Bankruptcy Law: Eric Ruff2013
New York TimesEric S. Ruff was quoted by the New York Times in article entitled "Ex-Lehman chief sold Florida mansion to his wife for $10"2009
Bulletin of the Jacksonville Bar AssociationDrunk Drivers Collide With Punitive Damages1977


School NameMajorDegreeGraduated
University of Florida, Fredric G. Levin College of LawLawJD - Juris Doctor with honors1979

Speaking Engagements

Conference NameTitleDate
Annual Florida Bar ConventionFlorida Homestead Exemption Law (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)2007
Jacksonville Bankruptcy Bar Association Annual MeetingFlorida Exemption Law (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)2006
Jacksonville Bankruptcy Bar Association Annual MeetingMeans Testing Under BAPCPA (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)2005
Florida Northern District Bankruptcy Bar Assn. Annual MeetingDischargeability of Tax Debts in Bankruptcy (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)1994