Bankruptcy and Debt Relief

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Financial stress can be overwhelming — but it doesn’t have to define your future.
At Zukowsky Law Group, we help individuals and families find real, lasting relief from debt through Chapter 7 bankruptcy and negotiated settlements that protect your assets and give you a true fresh start.

Chapter 7 bankruptcy is often called “liquidation,” but in most cases, you can keep your home, car, and essential belongings while wiping out credit-card balances, medical bills, and other unsecured debts.

We guide you through every step:

• Determining whether you qualify under Florida’s means test.
   
• Preparing and filing your petition with the U.S. Bankruptcy Court.
   
• Protecting your exempt property under Florida law.
   
• Representing you at your 341 (creditor) meeting.
   

With our help, you’ll understand what debts can be discharged, what assets are protected, and how to rebuild your credit after bankruptcy.

Not everyone needs to file bankruptcy — and we understand that.
Our firm also offers debt negotiation and settlement services for clients who want to avoid court or protect professional licenses, real-estate holdings, or co-signers.

We regularly help clients:

• Negotiate reduced balances or payment plans with creditors.
   
• Settle old judgments or collections for less than the amount owed.
   
• Stop aggressive creditor contact and regain financial peace of mind.
   
• Review and modify contracts to prevent future liability.
   

Whether you’re behind on credit cards, medical bills, personal loans, or HOA assessments, our goal is to reduce your debt and protect your assets — without unnecessary stress.

• Attorney-Led Strategy: You’ll work directly with an experienced Florida attorney who handles every step of your case.
   
• Flat-Fee Transparency: Know your costs upfront — no hidden hourly surprises.
   
• Tailored Solutions: We’ll recommend the path (bankruptcy or negotiation) that makes the most financial sense for your unique situation.
   

You’ve worked hard for what you have. Let’s help you protect it — and move forward with confidence.

📞 Schedule your confidential consultation today to discuss your debt relief options with Zukowsky Law Group.