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Eric Steven Ruff

Bankruptcy and debt Attorney at Gainesville, FL

5.0   33 reviews
  • Licensed for 44 years
    State FL
    Acquired 1979
    Status
    Member in Good Standing No misconduct found

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

About Eric

Learn Eric’s areas of practice.

1
Practice area
  1. Bankruptcy and debt
    100%
    I enjoy helping people. Clients that come to me for help are usually under severe stress. They want to pay their debts but simply cannot. Stress is bad for health and relationships. Client couples are often on the edge of divorce from all the stress. For many people in this situation, bankruptcy law can result in cancellation of common debts, such as credit cards, auto repo debts, hospital bills, signature loans, and even judgments. No wonder the nickname for Chapter 7 is "fresh start."

    45 years, 2,900 cases

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

Location

Eric S. Ruff
Ruff & Cohen, P.A.
4010 Newberry Road, Suite G
Gainesville, FL, 32607
Ruff & Cohen
1756 University Blvd. South
Jacksonville, FL, 32216
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Reviews

5.0 / 5.0
  33 customer reviews
5 Star
 
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Posted by Chris | May 1, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Best Bankruptcy Attorney
If you are looking for a Bankruptcy attorney in Northern Florida, you can end your search here. Eric Ruff is the most experienced, professional and personable attorney you would want while going through such a difficult process like filing for Bankruptcy. I hired Eric to be my attorney, and quickly realized Eric treats you like a friend when discussing your unique situation. He fully understands that every client's circumstances are different, and he is empathetic to the impact going through a bankruptcy can have on an individual. Next, Eric has more experience that most attorneys in the industry; which makes him extremely knowledgeable on all the laws and legal proceedings regarding filing for bankruptcy. He can breakdown complex legal matters and be able to explain them into layman's terms, so his clients understand the law and processes involved. Also, he pays immense attention to detail when dealing with your case. He will walk you through the entire process to ensure the filing is complete and accurate. Eric is also easy to contact. He returns phone calls in a timely manner and will answer emails the same way. I would highly recommend Eric Ruff to be your attorney if you are going through a Bankruptcy.
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Posted by BYRON | July 11, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Eric Ruff is a pretty awesome lawyer and person, here's why:
From the start he was very nice and had a great sense of humor. It immediately made me feel comfortable talking to him about my situation. The initial meeting was very informative, as he has a 1 hr long video that is necessary to watch and helps answer alot of initial questions. Throughout the whole process he always answered all of my questions promptly. He is a very genuine person and was a great pleasure to converse with in our meetings. He ensured that my bankruptcy case was filed with accuracy and made it seem like a walk in the park. I highly reccomend him to anyone that needs advice in the bankruptcy arena. Thanks again Eric!
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Posted by anonymous | July 7, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Great Lawyer
I can't begin to tell you how thorough, caring, informed and prompt both Eric Ruff and Lisa Cohen were. I was so embarrassed that I was going to have to file bankruptcy and felt like a real loser. The first thing I did was watch a great video that explained everything about bankruptcy and made me feel a little better. Eric educated me about bankruptcy, explained it step by step, treated me like a friend and made me feel that I wasn't such a loser after all. He made himself available and did a wonderful job of looking out for my best interest. If you find yourself in this position I would tell you if you want the very best, call Eric!
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Posted by Dan | August 19, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Eric Ruff
Mr. Ruff is an outstanding attorney and a credit to his profession. He was easy to contact by phone and email. I never had to wait long for him to respond to my questions, and there were many. His video and written instructions throughout the case were particularly helpful. His attention to detail is so great that he even has video instructions for where the best places are to find parking at the courthouse. He makes you feel at ease during a difficult time. I never felt like I was just another client even though he is very busy. I would recommend him to anyone considering filing for bankruptcy protection.
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Posted by Dan | April 27, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Patience and Expertise
It is clear from the start that Mr Ruff has been doing this a long time. Nobody likes to file for bankruptcy, and even the paperwork can seem daunting, but Mr Ruff has combined his knowledge and experience to make the situation more bearable. He has a series of videos that take you, step by step, through the entire bankruptcy process, up to and including how to drive to the courthouse, even where to park. That last detail was the one that helped me most, actually. I have some cognitive impairment that makes navigating even in such a small city as Gainesville challenging, even using GPS. His last video shows precisely how to get to the courthouse. The night before my courtdate I watched that video at least 30 times, trying to push the directions into longer-term memory. Because of that video I was able to make it to the courthouse on time without getting lost once ... which, trust me, is a rarity for me. Simple visual instructional videos that let me know what to expect, where to go, and the entire process. It didn't make bankruptcy any more fun, but it did make it make me much better prepared. I couldn't be more grateful.
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Posted by anonymous | December 17, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy Attorney
Eric did a great job from day one. He was careful and meticulous in explaining the pros and cons of bankruptcy and how it would apply to my situation. Services provided with a good sense of humor at no extra cost!
Posted by Gloria | November 18, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy Review
Eric Ruff is the most competent bankruptcy atty. one could ever entrust their financial future to. I wasted four valuable hours of his time set aside for my filing by not doing a necessary legal document that would protect $400 monthly income. He would not allow me to file without it. It prolonged filing by weeks, but thanks to this very knowledgeable professional, I now have a full discharge of debt and $400.00 a month income the court did not take as personal property. This is the third time in the last 21 yrs. family members have needed a bankruptcy attorney. His step by step video presentation, keeping me updated, courteous and helpfulness over the phone took away any concerns.
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Posted by Judy | September 3, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Eric Ruff
Mr. Ruff was so detailed and professional. He truly put me at ease in a most difficult situation. Highly recommend him! Everything went very smooth.
Posted by Jean | June 23, 2015
Very reliable attorney
Mr. Ruff is a very efficient and resourceful attorney who gave me good advice about how to handle the different facets of my financial situation. He is very personable and seemed genuinely interested in my case. I would highly recommend his firm.
Posted by Barbara | June 6, 2015
Comfortable and professional
Eric made us feel comfortable about our situation. He was very professional, he doesn't talk down to you. He treats and talks to you as if you are on the same level.
Posted by Peter | May 4, 2015
Very knowledgeable and efficient
Mr. Ruff did a great job on our bankruptcy case. His forms to list personal property made it fairly easy to inventory just about all our possessions. His attention to detail and guidance to us was exceptional. We felt we were in the right hands for our case and were very happy with the results he obtained. His sense of humour during our office meetings certainly helped us be at ease. We would recommend Mr. Ruff to anyone seeking professional, detailed, and accurate filing. Peter & Crystal S.
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Posted by Hal | April 3, 2015
Chapter 7-Filed 2014
If you are at a point of needing to declare Bankruptcy you certainly have all of the stress in your life that you need. Mr. Ruff and Ms. Cohen made our bankruptcy virtually stress free. The forms and instruction materials provided were very easy to understand and complete. The entire process went exactly as explained to us. Additionally, 18-months after our discharge and our case was closed we received attempted collection activity from one of the discharged creditors. Mr. Ruff pulled our file and returned my call in less than an hour. He then addressed the matter with the creditor within 24-hours. No one could ever ask for better service.
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Posted by PS | July 17, 2014
Best bankruptcy attorney!
If you are in need of the best bankruptcy attorney in FL, you need to sit down and meet Mr. Ruff. We went thru the difficult time of filing for Chapter 7 and he made all the difference in the world. He and Mrs. Cohen made us feel protected and our worries and concerns were taken away by their expertise. We saw many people struggling during the creditors meetings with other attorneys and with Mr. Ruff (our case was a complicated one!) it was a walk in the park. He is the most thorough attorney we have meet. We did our research and interviewed over 6 qualified attorneys and could not have been happier we chose him to represent our interests. Great guy who will make you feel comfortable and relaxed about the whole process. I would recommend him to anyone thinking about embarking in this process with my eyes closed. Thank you Eric and Lisa!
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Posted by Sarah and James | May 7, 2014
WE HAD A GREAT EXPERIENCE WITH ERIC RUFF!
We were feeling like there was no way out of our financial situation and when we met with Mr. Ruff we immediately felt a sense of control again. He was honest and obviously wanted to help us get out of trouble. He's friendly and funny and makes you feel like it will be ok. My husband and I couldn't be happier with the services we received. Kyle and Lisa were great too!
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Posted by carl | December 13, 2013
Beyond my expectations
I just received my final discharge papers concerning my filing of bankruptcy. After researching I chose Mr. Eric ruff for my attorney and was very glad that I did. He is exceptionally knowledgeable about Fl. bankruptcy law and is well versed in the process. He was very clear in his explanation of what was needed by me and made this ordeal very simple. I at first chose to not follow his advice about one debt but eventually went with his advice and again I am very happy I did. He is very professional and personable at the same time and I felt very comfortable in our meetings together. Surprisingly, he is a very honest and reasonably priced attorney that I highly recommend.
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Posted by Anne R | December 13, 2013
Wonderful lawyer with honest advice.
I meet Mr. Ruff back in June 2004. I was going through a very hard time and was scared about my future. After meeting with Mr. Ruff he was able to assistance me in filing for Chapter 7 bankruptcy. He was extremely professional and compassionate at that time. Now 9 years later I ran my credit report and found that one of the creditors did not remove me due to my bankruptcy. I call Mr. Ruff and explained what I had found on my credit report. I meet with me that same day and pull up all my discharges paperwork and explain to me my next step and getting my credit clear. I am for ever thankful for Mr. Ruff and his staff
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Posted by Paula | November 5, 2013
Eric Ruff is EXCELLENT and completely TRUSTWORTHY!
When life is at its highest stress level, Eric Ruff's excellence as an Bankruptcy Attorney and his caring persona is an oasis in the desert! His attention to detail brings assurance that all aspects of the bankruptcy filing will be as smooth as possible to ensure you receive your Fresh Start in your life. Thank you Eric for your help!
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Posted by Craig and Melissa R | August 9, 2013
Eric Ruff Will Get You Through the Bankruptcy Process With A Smile
Mr. Eric Ruff will lead you through the bankruptcy process, a very stressful and trying time, with the knowledge and expertise you need. He does so with a smile and a sense of humor.
Posted by Jay | August 8, 2013
Law Firm of Integrity
I went to Ruff & Cohen on a referral from my accountant, who, has been in Gainesville for 32 years. That was endorsement enough. I worked with Eric Ruff on my bankruptcy and followed his direction to the letter. Remember, the “court” already knows every attorney in town and their ethics. I strongly recommend this Law Firm.
Posted by Lynn | July 22, 2013
If you have to go Bankrupt....go with Eric Ruff!
Mr. Ruff made a difficult time easier for us. He is accessible, when you call the office you actually get to talk to him. He is extremely knowledgeable and up to date on the laws. He guided us along the way and told us exactly what to expect, since this was something neither my husband or myself had done before. He answered so many questions, kept us informed about the process and put us at ease about the decision we had to make. Mr. Ruff is extremely professional but also a people's person with a sense of humor. We have recommended Mr. Ruff and will continue to do so. I am glad we are finished with our bankruptcy, but even happier that we chose a great person to help us through it.
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Cost

Rates
  • Free Consultation 30 minutes
Payment methods
Cash, Check, Credit Card

Resume

AVVO RATING 9.6 (Superb)

Work Experience

  • President
  • Ruff & Cohen, P.A.
  • 1986 - Present
  • Associate
  • Trinkle, Redman, Alley & Moody, P.A.
  • 1980 - 1985
  • Associate
  • Law Office of William Randolph Klein
  • 1979 - 1980

Education

  • University of Florida, Fredric G. Levin College of Law
  • JD - Juris Doctor with honors
  • 1979

Sample of Legal Cases

  • Meares v. Revels Ford Tractor Co., Inc., 456 So.2d 1339 (Fla. 2d DCA 1984)
  • On appeal obtained affirmance in client's favor as against individual defendants, reversal as to corporate defendant)
  • Icard v. Henderson, 455 So.2d 417 (Fla. 2d DCA 1984)
  • On appeal obtained reversal in part and affirmance in part, both in client's favor
  • Revels Ford Tractor Co., Inc. v. Meares, 419 So.2d 1190 (Fla. 2d DCA 1982)
  • On appeal obtained reversal for client at Florida 2nd District Court of Appeal
View all legal cases

Associations

  • Plaza West Condominium Association, Inc.
  • Director and past Secretary
  • 2000 - Present
  • Jacksonville Bankruptcy Bar Association
  • Member
  • 2011 - 2013
  • Clay County Bar Association
  • Member
  • 2011 - 2013
  • Madera Community Association, Inc.
  • Director
  • 2009 - 2011
  • Democratic Party
  • Official Poll Watcher
  • 2008 - 2008
  • CLO Alumni Foundation, Inc.
  • Director
  • 2006 - 2012
  • Democratic Party
  • Official Poll Watcher
  • 2004 - 2004
  • Rotary Club of Downtown Gainesville
  • Director
  • 1996 - 1996
  • Eighth Judicial Circuit Bar Association
  • Editor of Newsletter
  • 1988 - 1989
  • Tampa Bay Osborne Computer Users Group
  • President
  • 1983 - 1983
  • Ruff Software, Inc.
  • President
  • 1983 - 1984
  • Hillsborough County Bar Association
  • Chairman of the East Division
  • 1981 - 1982
View all associations

Languages Spoken

  • English

Honors and Awards

  • AV Preeminent 5.0 out of 5 Peer Review Rated
  • Martindale-Hubbell
  • 2016
  • AV Preeminent 5.0 out of 5 Peer Review Rated
  • Martindale-Hubbell
  • 2015
  • Client Distinction Award
  • Martindale-Hubbell
  • 2015
  • BV Rated
  • Martindale-Hubbell
  • 2014
  • Client Distinction Award
  • Martindale-Hubbell
  • 2013
  • BV Distinguished Rating
  • Martindale-Hubbell
  • 2013
  • Top Bankruptcy Law Firm
  • LAWS.com
  • 2013
  • BV Rated
  • Martindale-Hubbell
  • 2012
  • BV Distinguished rating
  • Martindale-Hubbell
  • 2011
  • BV Rated
  • Martindale-Hubbell
  • 2010
  • BV Rated
  • Martindale-Hubbell
  • 2009
  • BV Rated
  • Martindale-Hubbell
  • 2008
  • Paul Harris Fellow
  • Rotary Club of Downtown Gainesville
  • 1998
  • Certficate of Recognition of Academic Excellence
  • Florida Law Review
  • 1979
  • Book Award for Contracts !
  • University of Florida College of Law
  • 1976
View all awards

Publications

  • Bulletin of the Jacksonville Bar Association
  • Drunk Drivers Collide With Punitive Damages
  • 1977

Speaking Engagements

  • Jacksonville Bankruptcy Bar Association Annual Meeting
  • Florida Exemption Law (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)
  • 2006
  • Jacksonville Bankruptcy Bar Association Annual Meeting
  • Means Testing Under BAPCPA (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)
  • 2005
  • Florida Northern District Bankruptcy Bar Assn. Annual Meeting
  • Dischargeability of Tax Debts in Bankruptcy (Eric Ruff wrote the speech; it was delivered by Atty. Lisa Cohen)
  • 1994
View all speaking engagements

Attorney endorsements

Received (4)
Given (2)
Endorse Eric
Bankruptcy and debt Attorney | Nov 30
Relationship: Worked together on matter
"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."
Chapter 7 bankruptcy Attorney | Nov 18
Relationship: Fellow lawyer in community
"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."
Chapter 7 bankruptcy Attorney | Nov 18
Relationship: Fellow lawyer in community
"I endorse Mr. Ruff. I have known Mr. Ruff for over 30 years and know him to be of the highest integity and intellectual capabilities. He is well known in the community for his excellent advice and legal assistance. His demeanor, gentle humor, and genuine care for his clients adds tremendously to the value of his legal services. I strongly recommend Mr. Ruff."
Chapter 7 bankruptcy Attorney | May 31
Relationship: Worked together on matter
"I endorse this lawyer. Mr. Ruff is a very knowledgeable and skilled Bankruptcy Attorney. As an attorney I have referred my clients to him for over 20 years and the results he has attained have always been exactly what was needed. He and I have also served as directors on the board of a local not-for-profit corporation and his insight and wisdom has always been very useful. I highly recommend him for anyone needing an experienced and skillful attorney for all types of bankruptcy matters."
Gainesville Bankruptcy and debt Lawyer Eric Steven Ruff
Eric Steven Ruff
Bankruptcy and debt Attorney
Gainesville, FL
Licensed for 44 years
Free Consultation