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About me

Click the link below to see my interview on the CBS Program 60 Minutes.


My husband and I  have five children, so I know the difficulties of raising a family in today's economy and with both parents working.  I like to read and write a blog when I have any spare time. 


I spend most of my free time with my family including my extended family, my mother, brother, ans sister-in-law.  I love to travel when I have the time and money.



Photos and videos

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Practice areas


  1. Bankruptcy: 100%
    26 years, 5 thousand cases



Free consultation (60 minutes)

Payment types:

Cash, Check

Attorney endorsements

5 total 

Are you an attorney? Endorse this lawyer

  • Herbert Ira Ellis

    I endorse this lawyer.


    Herbert Ellis Personal injury Attorney
    Relationship: Fellow lawyer in community

  • Andrea Gabriela Dwyer

    Attorney Bess is one of the most respected bankruptcy lawyers in Central Florida. Ms. Bess cares for each one of her clients and strives to make a positive difference in their lives. Her knowledge of the law and dedication to her clients sets a high example for all attorneys to follow.


    Andrea Dwyer General practice Attorney
    Relationship: Worked for lawyer

Contact info

101 N Plumosa St
Merritt Island, FL, 329533477


FLMember in Good Standing199006/17/2016

Professional misconduct

This lawyer was disciplined by a state licensing authority.

  1. Suspension with Conditions
    issued in FL, 2014


    This means an attorney lost his or her license to practice law for a period of time. The attorney typically returns to practicing law when the suspension expires.

Avvo contributions
Legal answers
Award nameGrantorDate granted
2007 Pro Bono awardBrevard County Bar Association2007
2006 Pro Bono AwardBrevard County Bar Association2007
Work experience
TitleCompany nameDuration
OwnerBess & Cullimore1991 - 1999
Association namePosition nameDuration
Pro Se ComitteeMember2012 - Present
Mortgage Modification Mediation Sub-Comitteemember2011 - Present
National Association of Consumer Bankruptcy AttorneysAttorney Member2008 - Present
Central Florida Bankruptcy Law AssociationAttorney Member2001 - Present
Brevard County Bar AssociationAttorney Member1990 - Present
Legal cases
Case nameOutcome
In Re CooperCrammed down mortgage ballooned at end of plan
See all legal cases 
Publication nameTitleDate
National Business Institute SeminarNuts & Bolts of Bankruptcy2010
The National Journal of Trial AdvocacyGoddard vs Urea, Another Crack in the Shield of Qualified Immunity1989
School nameMajorDegreeGraduated
Samford University, Cumberland School of LawLawJD - Juris Doctor1989
Speaking engagements
Conference nameTitleDate
60 MinutesBankruptcy and Lay-Offs on the Space Coast of Florida2012
Mortgage Modification Mediation SeminarMortgage Modification2011
Central Florida Bankruptcy Law Association SeminarLoan Modification in Chapter 13s2011
Central Florida Bankruptcy Law Association LuncheonStacking Debt of Co-Debtors2011
Nuts & Bolts of BankruptcyChapter 7 & Chapter 132010