I like being able to lower the stress level and pain in my clients' lives. Before... more
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 ... view profile
Raymond B Joseph was born in Jacksonville, Florida. He graduated from the University... more
Raymond B Joseph was born in Jacksonville, Florida. He graduated from the University of Florida in 1978 with a BSBA in Finance. He graduated from the University of Florida College of Law in 1981 with a degree of the Juris Doctor. During law school, Raymond was a member of the Moot Court Team as well as the Phi Delta legal fraternity. He was admitted to the Florida Bar and the United States ... view profile
Ryan M. Albaugh is the leading lawyer at the Albaugh Law Firm's offices in St.... more
Ryan M. Albaugh is the leading lawyer at the Albaugh Law Firm's offices in St. Augustine & Jacksonville. He is a member of the Florida State Bar, the California State Bar, and the Iowa State Bar. Mr. Albaugh has been practicing law since 1999, and dedicates his practice to the fields of criminal defense, family law, and bankruptcy law. To see how you may be able to retain the representation of ... view profile
Why do I help people with Bankruptcy? After I opened my Law Office, I represented... more
Why do I help people with Bankruptcy? After I opened my Law Office, I represented working people in a variety of areas. I did a substantial number of Bankruptcy and Debt cases, as well as Divorce, Probate, Personal Injury, and other Civil Matters. But when a very close Aunt and Uncle's family business failed, I knew I had to devote my practice to Bankruptcy. My Aunt and Uncle had a very... view profile
I enjoy sports, history, and spending time with my family (including our dog). My... more
I enjoy sports, history, and spending time with my family (including our dog). My family worships and serves at the historic Riverside Avenue Christian Church, where my wife, Kat (also an attorney), and I serve as deacons and led the youth program.
A bankruptcy attorney can help you manage personal or business debts you are unable to pay. Bankruptcy laws allow people and businesses to (1) get a “fresh start” by relieving most debts; and (2) repay the money owed to all creditors as fairly as possible. When you file for bankruptcy protection, all other legal actions against you are put on hold. Creditors cannot sue you, garnish your wages, repossess your car or home entertainment system, or start or continue with a foreclosure action against your home. There are different types of bankruptcy filings and each has its own advantages. Since bankruptcy can significantly impact your future purchasing power and credit rating, you should see a bankruptcy attorney to make sure the benefits of filling bankruptcy outweigh the consequences.