Ruff & Cohen - Gainesville, FL

Dependable Debt Relief and Bankruptcy Advocacy in Gainesville

Overwhelming debt, incessant creditor calls, and impending foreclosure can place immense strain on your life. Since 1986, Ruff and Cohen has provided compassionate, effective legal counsel to individuals and businesses in Gainesville, Jacksonville, and throughout North Central Florida. Founded by Attorney Eric S. Ruff, an honors graduate of the University of Florida College of Law, and anchored by Partner Lisa C. Cohen, also an honors UF Law alumna who joined in 1992, the firm possesses extensive knowledge of federal insolvency laws. When financial hardship strikes and you need a bankruptcy lawyer immediately to halt foreclosure or end creditor harassment, Ruff and Cohen delivers the trial-tested guidance necessary to obtain lasting debt relief.

Complete Debt Elimination Through Chapter 7 Bankruptcy

For individuals facing mounting credit card bills, personal loans, and catastrophic medical expenses, Chapter 7 liquidation provides a path to complete relief. As dedicated bankruptcy lawyers and debt relief lawyers, Eric Ruff and Lisa Cohen utilize Florida statutory exemptions to protect your home, vehicle, and retirement savings while erasing dischargeable debts. The moment your bankruptcy petition is filed, an automatic stay stops wage garnishments, bank levies, collection calls, and lawsuits immediately. The firm meticulously prepares your documentation, represents you at the creditors meeting, and guides you to a smooth debt discharge.

Stopping Foreclosure with Chapter 13 Reorganization

When you have regular income but are behind on mortgage payments or car notes, Chapter 13 bankruptcy provides a court-approved repayment plan to preserve your property. As seasoned debt relief lawyers, Ruff and Cohen structure realistic three-to-five-year plans that let you pay back mortgage arrears without fear of foreclosure, while frequently discharging remaining unsecured debts. Furthermore, the firm excels in business restructurings, with Lisa Cohen having represented debtors in over one hundred complex Chapter 11 reorganizations across Florida federal courts-a level of mastery rare among consumer bankruptcy practitioners.

Why North Florida Debtors Choose Ruff and Cohen

When you need to hire an attorney or find a lawyer to guide you through federal bankruptcy proceedings, Ruff and Cohen provides proven strengths:

• Sixty Years of Combined Insight: Over six decades of collective bankruptcy practice and more than 5,500 petitions filed in the Northern and Middle Districts of Florida.
• Top Peer and Client Ratings: Eric S. Ruff holds Martindale-Hubbell highest AV Preeminent rating, and Lisa C. Cohen maintains a Distinguished rating and an Avvo Superb 10.0 score.
• Accomplished Appellate Record: Successful representation before Florida District Courts of Appeal, the Florida Supreme Court, and the Eleventh Circuit Court of Appeals.
• Accessible Payment Plans: Free initial consultations with structured, flexible payment plans designed to fit tight budgets.
• Comprehensive Protection: Immediate protection against repossessions, foreclosures, wage levies, and creditor misconduct.

Schedule Your Free Bankruptcy Consultation Today

Bankruptcy is not a personal failure; it is a federal legal right designed to provide honest debtors with a clean slate. You do not have to endure sleepless nights worrying about financial ruin. Contact Ruff and Cohen today to discuss your debt relief options with an experienced Gainesville bankruptcy attorney. Schedule your confidential, free consultation now and take the first decisive step toward financial freedom.