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
I graduated with honors from the University of Florida College of Law in 1985. I was... more
I graduated with honors from the University of Florida College of Law in 1985. I was an associate with attorney Lansing Roy practicing Florida bankruptcy law. In 1992 I joined my current firm of Ruff Cohen, P.A. in 1992. I have handled, on behalf of debtors, in excess of 100 Chapter 11 reorganization cases, several thousand Chapter 7 cases, several hundred Chapter 13 cases, and even some rare ... 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
I practice in the bankruptcy area. I routinely represent debtors and creditors... more
I practice in the bankruptcy area. I routinely represent debtors and creditors throughout the bankruptcy process. I also help parties defend and prosecute adversary proceedings. I handle Chapter 7, Chapter 13, and Chapter 11 cases but concentrate on individual and small to medium size business Chapter 11 cases.
A bankruptcy attorney can help you manage personal or professional 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.