Law Offices of Carol M. Galloway, P.A. - Orlando, FL
The Law Offices of Carol M. Galloway, P.A. provides comprehensive bankruptcy and debt relief advocacy in Orlando and across Florida. Founded by attorney Carol M. Galloway, who has practiced law since 2002, the firm guides distressed debtors through Chapter 7 and Chapter 13 bankruptcy, foreclosure defense, and creditor harassment protection, offering free confidential consultations.
Compassionate Bankruptcy and Debt Relief Advocacy in Orlando
Unexpected financial setbacks such as medical emergencies, job loss, or divorce can cause debt to accumulate rapidly. The Law Offices of Carol M. Galloway, P.A. provides dedicated legal counsel to help individuals and families across Orlando and Central Florida regain control of their financial lives. Founding attorney Carol Marie Galloway graduated from Florida Coastal School of Law and was admitted to the Florida Bar in 2002. With over two decades of dedicated trial and bankruptcy court experience, she ensures that distressed consumers understand their legal options under federal and Florida statutes.
Consumer bankruptcy under federal law is not a moral failing or a punishment; it is a constitutionally established legal shield created to help honest debtors reset their lives. When individuals need a lawyer urgently to stop an impending home foreclosure sale, cancel a vehicle repossession, or unfreeze bank accounts, Attorney Galloway and her team deliver prompt, effective legal representation.
Chapter 7 Bankruptcy: Eliminating Unmanageable Debt
Chapter 7 bankruptcy provides individuals and qualifying business owners with a straightforward mechanism to eliminate qualifying unsecured debts. Attorney Carol Galloway conducts a comprehensive Means Test evaluation and analyzes Florida exemption laws to protect client property. Core benefits include:
- Permanent discharge of burdensome credit card debt, hospital bills, and personal unsecured loans.
- Maximizing Florida's constitutional homestead exemption to shield residential home equity.
- Protecting retirement accounts, pensions, and vital personal property from creditor liquidation.
- Securing a court-ordered fresh start typically achieved within four to six months.
Chapter 13 Bankruptcy and Foreclosure Prevention
For wage earners who exceed the Chapter 7 Means Test or who are falling behind on mortgage payments, Chapter 13 bankruptcy provides a powerful financial reorganization alternative. Under Chapter 13, the firm crafts a court-approved repayment plan spanning three to five years, allowing debtors to catch up on delinquent home payments, avoid foreclosure auctions, cram down vehicle loan balances to fair market value, and resolve delinquent tax obligations on structured terms.
Invoking the Automatic Stay and Stopping Creditor Abuse
The moment bankruptcy paperwork is filed with the United States Bankruptcy Court for the Middle District of Florida, federal law imposes an immediate injunction known as the automatic stay. This injunction legally commands all creditors and collection agencies to halt phone calls, lawsuits, letters, and wage garnishments. The firm also defends clients under the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA), seeking statutory damages against collectors who violate consumer rights.
Comprehensive Legal Support for Working Floridians
Beyond consumer bankruptcy, the Law Offices of Carol M. Galloway, P.A. assists workers facing unfair workplace treatment, wrongful termination, and retaliatory practices. Clients who hire an attorney from this practice receive multifaceted advocacy that addresses both financial distress and employment hardships under one roof. Those seeking to find a lawyer who is compassionate, patient, and thoroughly attentive to each family's circumstance find a trusted partner in Attorney Galloway.
Schedule a Free Debt Relief Consultation Today
Do not allow creditor pressure and accumulating debts to overwhelm your peace of mind. Contact the Law Offices of Carol M. Galloway, P.A. at their Orlando office located at 390 North Orange Avenue, Suite 2300, or call (904) 307-4579 to schedule your free, confidential initial consultation and begin your journey toward financial freedom.
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Location & Access
Primary Address
Located in the heart of the Central Business District in downtown Orlando.
Building Location
This is a prominent 28-story Class A commercial office tower (known as the City National Bank building) featuring an integrated parking garage, a redesigned courtyard, and an enhanced lobby. It is located close to Lake Eola Park with eateries like Acropolis Greek Taverna and Foxtail Coffee Co. on the ground floor.
Parking Details
Visitors can utilize the fully integrated five-level parking structure on-site, offering secure and ample spaces. Guests dining at select ground-floor restaurants can also receive up to 2 hours of validated covered parking.
Public Transit
Served by LYNX Routes 3, 7, 11, 13, 15, 18, 28, 29, 102, 313, and Lymmo (Downtown Orlando); nearest stop is at Lynx Central Station.
Accessibility / Suite Access
Enter through the grand main lobby, check in with the 24/7 security desk, and take the elevators to the 23rd floor to reach Suite 2300.