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Keith P. Merritt

Bankruptcy and debt Attorney at Lakeland, FL

5.0   1 review

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About Keith

Learn Keith’s areas of practice.

Practice areas
  1. Bankruptcy and debt
    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

    23 years

  2. Estate planning
    "Estate" is the legal term used to define your property and money—basically, everything that belongs to you. Estate planning attorneys tell you different strategies you can use to transfer your belongings after you die. By planning your estate, you can maximize its value by minimizing taxes and eliminating court costs and interference. Estate planning attorneys also help you control and protect your estate during your lifetime.

    15 years

  3. Guardianship
    When a person is too young to make decisions or is incapacitated and can no longer care for their own interests, guardian law allows the court to appoint someone to make legal and welfare decisions for them. A legal guardian may be appointed as a limited decision-maker or an all-purpose decision-maker. The elderly may need a general legal guardian to make all their welfare decisions.

    23 years

  4. Litigation
    If you have issues with someone and want to sue, you will need a litigation lawyer. Litigation lawyers handle the litigation process and understand all of the ins and outs of the courtroom. A litigation lawyer can also help you decide whether your case is appropriate for a lawsuit, or if it might be better handled through the mediation or arbitration process.

    23 years

  5. Personal injury
    A personal injury lawyer works with clients who have suffered a physical or emotional injury, usually by accident or mistake. They cover cases such as car accidents, botched surgery, and harassment. Personal injury attorneys know how the insurance claim process works, they know what evidence to gather, and they know how to calculate and present a claim for damages.

    22 years

  6. Probate
    Probate is the legal process used to carry out a person's will after their death; a probate attorney advises you on how to perform the steps in the process.

    18 years

  7. Debt collection
    If you are part of a legal case involving debt collection, you may want to hire a debt collection attorney. A lawyer with experience in debt collection can help fight for your rights as a consumer, defending you against a debt collector or creditor. Conversely, if you have successfully sued someone but still haven't been paid, a debt collection lawyer can help you recover money you are owed. Many laws detail consumer protection laws as well as debt collection regulations, requirements, and proce

    16 years

  8. Foreclosure
    Homeowners threatened with losing their home through a bank foreclosure may benefit from the services of a real estate foreclosure attorney. When you buy a home, you usually get a bank loan and agree to repay it with monthly payments. If you fail to make the payments, the bank can start a foreclosure action, which enables them to sell your home to pay off the loan. Foreclosure laws are very detailed and strict about the process the bank must follow. A foreclosure attorney can explain your option

    23 years

Keith Merritt of Merritt Law Office P.A. has been a practicing lawyer since 1999 and is now emphasizing consumer law, particularly Personal Injury, Bankruptcy, Foreclosure Defense, Civil Litigation, and suing unscrupulous debt collectors.

Mr. Merritt has become one of a few attorneys in Central Florida devoted to Mortgage Foreclosure Defense and Bankruptcy, because of his interest in consumer legal issues. He is actively defending mortgage foreclosures and petitioning for bankruptcy clients throughout Central Florida including Polk, Osceola, Citrus and Hillsborough Counties.

Mr. Merritt’s philosophy regarding foreclosure and bankruptcy cases is that the United States and Florida constitutions’ Due Process clauses require that everyone get a fighting chance against powerful lenders and creditors. Mr. Merritt recognizes that knowledge and use of these rules levels the legal playing field. He is also insistent upon lenders and creditors adherence to these rules as well as many federal and state statutes like the Truth in Lending Act (“TILA”), Florida Mortgage Brokers Act and the Real Estate Settlement Procedures Act (“RESPA”).

In his foreclosure work, Mr. Merritt has found many instances where throughout the high-flying mortgage lending days during the past decade, lenders, brokers, appraisers and other participants in the sale and closing on real estate unknowingly – and in many cases knowingly – were in direct violation of the laws regulating real estate sales. These violations provide his clients with an opportunity to fight foreclosures.

Because of his growing Mortgage Foreclosure Defense practice, Mr. Merritt has found himself drawn to Bankruptcy as a natural extension of foreclosure defense and is actively working on Chapter 7 and Chapter 13 bankruptcy cases. He finds that in various cases the discharge of credit card and other unsecured debts can free foreclosure defendants to remain in their homes.

Mr. Merritt began his work in commercial litigation in Orlando, Florida, moving to Lakeland, Florida in 2001 where he worked as a litigator for a general practice law firm. He has since worked as a commercial litigator for recognized law firms and was a daily presence in the courtroom while working for the Polk County Guardian ad Litem program.

Mr. Merritt earned his law degree with Honors and a Masters in Business Administration in 1998 from the University of Florida. Before that, Mr. Merritt was a Nuclear Electrician in the U.S. Navy for six years and attended Florida State University, where he graduated in 1991 with a dual degree in Biology and History with a minor in Chemistry.

Photos and videos

Licensed for 23 years
State FL
Status Member in Good Standing
Acquired 1999
Updated 02/23/2023

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

Contact Keith

Similar lawyers nearby

Merritt Law Office, P.A.
Po Box 92412
Lakeland, FL, 33804-2412
Merritt Law Office
1804 South Florida Avenue
Lakeland, FL, 33803
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5.0 / 5.0
  1 customer review
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1 Star
Posted by Ralph | December 14, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Debt case.
Keith was referred by another attorney. He quickly resolved the issue to my satisfaction. He is a true professional, working for his client's best interest.


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Contact for Details


AVVO RATING 6.8 (Good)

Work Experience

  • P.A.
  • Merritt Law Office
  • 1999 - Present


  • University of Florida, Fredric G. Levin College of Law
  • 1998

Legal Cases

  • It Was More Than Just a Puppy
  • Settled out of Court


  • Florida Bar
  • Member
  • 1999 - Present

Languages Spoken

  • English


Speaking Engagements

  • Guest Speaker - ABATE of Polk County FL
  • What You Should Do if Your in a Motorcycle Accident
  • 2016
  • Talk To The Attorney
  • Estate Planning
  • 2016

Attorney endorsements

Received (2)
Given (2)
Endorse Keith
Bankruptcy and debt Attorney | Aug 02
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Business Attorney | Jan 30
Relationship: Fellow lawyer in community
"I endorse this lawyer. Keith is excellent."

Avvo Contributions

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Lakeland Bankruptcy and debt Lawyer Keith P. Merritt
Keith P. Merritt
Bankruptcy and debt Attorney
Lakeland, FL
Licensed for 23 years