Ruff & Cohen Pa
Law Firm in Gainesville, FL
Welcome to our law company. We're attorneys Eric S. Ruff and Lisa C. Cohen. The focus of our practice is Florida bankruptcy law. We're both honors graduates of the University of Florida law school and we bring over thirty five years of combined legal experience to customers considering individual bankruptcy. If you are under stress from creditor pressure then you should know about your rights and options including the fresh start (chapter 7 bankruptcy) individual reorganization (chapter 13) and business reorganization (chapter 11) If you are curious about bankruptcy, we think you'll find this website informative.
Ruff & Cohen Pa
read moreAt Ruff & Cohen, P.A., you will find an established and dedicated legal team with over 60 years combined bankruptcy law experience. We understand how overwhelming being in debt can be - but we are here to help. We work tirelessly to provide cost-effective solutions for our clients. Whether you are looking to file a Chapter 7 "fresh start" bankruptcy, a Chapter 11 to save your business, a Chapter 12 to save your farm, or a Chapter 13 case to reorganize your debt, we can help you take control of your financial future.
Gainesville Bankruptcy Lawyer
read moreBankruptcy law is commonly misunderstood. The vast majority of cases are filed by regular people who just need a break from overwhelming debt. The purpose of bankruptcy law is to allow a person to obtain financial freedom from debts they cannot repay. At Ruff & Cohen, our Gainesville bankruptcy lawyers are highly experienced in the field and can help you understand all areas of bankruptcy, so that you can make an informed decision. If you are uncertain whether or not you should file for bankruptcy, and you want help separating truth from rumors, we can help.
Gainesville Bankruptcy Lawyers
read moreThe lawyers at Ruff & Cohen, P.A have 60 years of combined legal experience. Their attorneys have written and delivered analytical presentations on bankruptcy law to other bankruptcy attorneys at the Bankruptcy Bar Association for the Northern District of Florida, the Jacksonville Bankruptcy Bar Association, and to the Bankruptcy/UCC Committee of the Business Law Section at the statewide Florida Bar Convention. Their expansive knowledge of Florida bankruptcy law has made them well-known and respected names in the legal system.
Gainesville Chapter 13 Bankruptcy
read moreIn order to determine which chapter of bankruptcy is right for you, it is important to understand each chapter and how it works. Another way to view it is that in a Chapter 13 you keep all your property and, instead, pay monthly payments to your creditors, usually for 60 months. Chapter 13 has one particular feature that is unique - it can stop a mortgage foreclosure and give you an opportunity to bring your mortgage current thus saving your home. Reinstating a mortgage is discussed more fully below.