Business Details
Trusted Bankruptcy Attorneys in Gainesville and Jacksonville
At Ruff & Cohen, we bring over six decades of combined legal expertise to individuals and businesses facing financial challenges. Our attorneys, both University of Florida law school graduates with 30 years of practice experience, have successfully guided more than 5,500 clients through bankruptcy proceedings. We maintain offices in Gainesville and Jacksonville to better serve Florida residents, offering free initial consultations and flexible payment arrangements. Our practice focuses on delivering personalized solutions for Chapter 7, Chapter 13, and Chapter 11 bankruptcy cases while maintaining the highest professional standards.Recognized by peers and clients alike, we combine thorough legal analysis with compassionate client support. Our commitment to excellence has earned us consistent positive feedback from those we've helped achieve financial relief. We maintain transparent communication throughout the process, ensuring clients understand all available options. With convenient parking and accessible locations, we strive to make this challenging process as straightforward as possible. Our team remains dedicated to helping clients rebuild their financial futures through ethical, results-driven representation.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Chapter 11 Bankruptcy
Debt Restructuring
Foreclosure Defense
Highlights and features
- We offer 30+ years of combined bankruptcy law experience
- Our attorneys graduated with honors from University of Florida Law School
- We've successfully filed 5,500+ bankruptcy cases
- We provide free initial consultations and payment plans
- We maintain offices in both Gainesville and Jacksonville locations
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation for qualifying individuals. This process eliminates most unsecured debts while protecting essential assets under Florida exemption laws. Our attorneys guide clients through the complete discharge process while ensuring compliance with all court requirements.
Chapter 13 Bankruptcy
Chapter 13 allows debtors to create court-approved repayment plans over 3-5 years. This option helps individuals retain assets while restructuring debts. Our team develops customized payment schedules that meet both client needs and bankruptcy code requirements.
Chapter 11 Bankruptcy
Chapter 11 enables businesses to restructure debts while maintaining operations. Our attorneys develop complex reorganization plans that address creditor claims and operational challenges. We represent both debtors and creditors in navigating business bankruptcy proceedings.
Foreclosure Defense
We help homeowners challenge improper foreclosure actions and explore alternatives like loan modifications. Our defense strategies focus on lender compliance with state and federal regulations while protecting client property rights throughout the process.
Debt Restructuring
Our debt restructuring services help clients modify payment terms and reduce financial obligations. We negotiate with creditors to create manageable repayment plans while ensuring compliance with bankruptcy laws and protecting client assets.
People
Eric S. Ruff
Attorney
Eric S. Ruff has practiced bankruptcy law for over 30 years, graduating with honors from University of Florida Law School. He has filed thousands of bankruptcy cases and received recognition as one of Gainesville's top bankruptcy attorneys.
Lisa C. Cohen
Attorney
Lisa C. Cohen brings 30+ years of bankruptcy law experience to her practice. A University of Florida Law School honors graduate, she has handled thousands of bankruptcy cases and maintains a strong reputation for client advocacy.
Questions
What types of bankruptcy do you handle?
We handle all personal and business bankruptcy chapters including Chapter 7, 13, and 11 cases throughout Florida.
Do you offer free consultations?
Yes, we provide free initial consultations to discuss your specific financial situation and bankruptcy options.
Are payment plans available?
We offer flexible payment plans to make our bankruptcy services accessible for all clients.
How many years of experience do your attorneys have?
Both attorneys have over 30 years of bankruptcy law experience with thousands of successfully filed cases.
What areas of Florida do you serve?
We serve clients throughout Florida with office locations in Gainesville and Jacksonville.
Can I keep my property during bankruptcy?
Our attorneys help clients protect essential assets through Florida's exemption laws during bankruptcy proceedings.
