Footman Law Firm, P.A.

What the firm does

• Represents individuals and families seeking a financial fresh start through bankruptcy.
• Handles Chapter 7 and Chapter 13 consumer bankruptcy matters.
• Helps clients address overwhelming debt, stop collection efforts, and work toward long-term financial stability.
• Emphasizes compassionate, client-focused representation and clear guidance through the bankruptcy process.

Who the firm serves

• Individuals and families facing mounting debt, wage garnishments, foreclosure, and other serious financial pressures.
• Clients located in Tallahassee and throughout Northern Florida, including areas such as Wakulla County, Bay County, Gadsden County, and Escambia County.

Approach and values

• Prioritizes relieving both financial and emotional stress associated with debt.
• Strives to provide reasonable, accessible representation.
• Encourages clients not to feel ashamed of filing for bankruptcy and treats clients with understanding and respect.

Free initial consultation

• The firm offers free initial consultations so prospective clients can discuss their situation and options for Chapter 7 or Chapter 13 bankruptcy before retaining the firm.

For specific legal advice about your situation, contact Footman Law Firm, P.A. directly to schedule a free consultation.

Key features of Chapter 13 bankruptcy

As described in the firm's materials:

• You pay back a portion of your debts over a three- to five-year period.
• The plan period allows debtors to catch up on mortgage arrears and can completely halt foreclosure proceedings while the case is pending and the plan is followed.
• Chapter 13 can allow reduction of the principal balance and interest on certain secured debts, which may lower monthly payments in some cases.
• You can surrender property securing a loan that you no longer wish to keep.
• You may pay back only a small portion of your unsecured debt, depending on your income and allowable expenses.

At the completion of a successfully performed Chapter 13 plan, qualifying remaining unsecured debts that are not paid in full are generally discharged, as permitted by law.

How repayment amounts are determined

• The amount paid to unsecured creditors in a Chapter 13 plan is based on a calculation of current monthly income minus allowed expenses such as housing, utilities, food, transportation, medical expenses, and insurance.
• Any remaining disposable income, if any, is typically paid into the plan for the benefit of unsecured creditors over the life of the plan.

Basic eligibility guidelines (as stated on the firm's site)

To be eligible to file Chapter 13, the firm notes that you must generally:

• Have regular income sufficient to fund your repayment plan; and
• Have secured debts that do not exceed $1,395,875; and
• Have unsecured debts that do not exceed $465,275.

Eligibility can depend on current law and your specific situation, so you should speak with the firm directly to confirm whether you qualify.

Typical cost components for Chapter 13

Based on the firm's published information, common cost components include:

• Credit counseling course (pre-filing): Must be completed before filing; the course can be taken online and may be available for as low as about $10.00.
• Court filing fee: The Chapter 13 bankruptcy court filing fee is stated as $313.00.
• Financial management / debtor education course (post-filing): Must be completed after filing; this course can be taken online and may be available for as low as about $10.00.
• Attorney's fees:
• The firm requires a small down payment prior to filing.
• The remainder of the attorney's fee is financed through the Chapter 13 repayment plan.

Exact fees, payment options, and total plan payments depend on your specific case and must be confirmed directly with the firm.

Length of a Chapter 13 plan

According to the firm's site:

• If your income is below the applicable median household income for your state, you may propose a three- to five-year repayment plan.
• If your income is above the applicable median household income, you must propose a five-year repayment plan.

Service area and consultations

• Footman Law Firm, P.A. serves clients in Florida and assists Florida residents with Chapter 13 filings.
• The firm offers free consultations to review your situation, discuss eligibility, estimate plan structure, and explain the filing process.

For precise information about your eligibility, expected plan payments, and total costs, contact Footman Law Firm, P.A. directly to schedule a free consultation.

Free initial consultation

• Footman Law Firm, P.A. offers free initial consultations for potential clients.
• During the consultation, you can discuss your financial situation, ask questions about Chapter 7 and Chapter 13 bankruptcy, and learn about potential next steps.

Typical cost components mentioned on the website

The firm's website provides the following example cost components related to Chapter 13 bankruptcy (actual amounts and options can change and must be confirmed with the firm):

• Credit counseling course (pre-filing):
• Required before filing.
• Taken online.
• Described as available for as low as about $10.00.

• Financial management / debtor education course (post-filing):
• Required after filing.
• Taken online.
• Described as available for as low as about $10.00.

• Court filing fee for Chapter 13:
• Listed as $313.00 on the firm's site.

• Attorney's fees for Chapter 13 cases:
• The firm requires a small down payment before filing.
• The remainder of the attorney's fee is financed through the Chapter 13 repayment plan.

Exact total fees, down payment amounts, and plan payment amounts depend on your specific case and must be confirmed directly with the firm.

Fees for Chapter 7 cases

• The website does not list a detailed fee schedule for Chapter 7 bankruptcy.
• To obtain current information on Chapter 7 attorney's fees, payment options, and any available payment plans, contact the firm directly.

How to get precise pricing information

Because prices and court costs can change and can vary by case:

• The AI assistant cannot quote or guarantee total fees beyond what is explicitly listed above from the website.
• For current pricing, quotes, and payment arrangements for either Chapter 7 or Chapter 13 bankruptcy, please call Footman Law Firm, P.A. at (850) 597-7396 and speak with the firm directly.

Education

• B.A. – University of Central Florida.
• J.D. – Florida International University College of Law (2013 graduate).

Bar admissions

• Admitted to practice law in Florida (2013).

Philosophy and approach

Based on the firm's own description:

• She is motivated by helping clients obtain peace of mind and a genuine fresh start.
• She recognizes the significant stress that debt can place on individuals and families, including strain on relationships.
• She takes satisfaction in seeing clients who have faced lawsuits, wage garnishments, or foreclosure express relief after their matters are addressed.
• She emphasizes compassionate, nonjudgmental representation and aims to help clients sleep better at night by relieving financial pressure.

For detailed information about her experience with cases similar to yours, or to schedule a time to speak with her, contact Footman Law Firm, P.A. directly.

Clients are encouraged to call to discuss their situation and to schedule a free consultation.

Office addresses (as listed on the website)

The firm's website lists the following office addresses:

• Tallahassee office: 1345 Cross Creek Cir, Tallahassee, FL (commonly referenced on the site's contact and practice pages).
• Additional listed address: 1301 Riverplace Blvd, Suite 800, Jacksonville, FL 32207 (appears in the site header information).

For the most up-to-date information about where your appointment will take place (in person, by phone, or virtually), confirm details directly with the firm when scheduling.

Service area

The firm serves clients in Tallahassee and throughout Northern Florida, including areas such as Wakulla County, Bay County, Gadsden County, and Gadsden County, Escambia County, and other Northern Florida communities, as reflected in the firm's descriptions.

Office hours

The website indicates:

• Sunday: Closed.
• Monday: 9:00 AM – 5:00 PM.

Hours for other days of the week are not fully detailed in the available website text and may vary.

Because office hours and availability can change, clients should call the firm to confirm current hours and to schedule an appointment time.

Free consultations

Footman Law Firm, P.A. offers free initial consultations so prospective clients can:

• Learn about Chapter 7 and Chapter 13 bankruptcy options.
• Discuss the types of debts they are facing.
• Ask questions about the bankruptcy process and next steps.

To schedule your free consultation or to confirm current office hours, call (850) 597-7396.

What Chapter 7 bankruptcy can help with

According to the firm's published information, filing for Chapter 7 bankruptcy can potentially help:

• Eliminate credit card debt, payday loans, unsecured personal loans, and lines of credit.
• Eliminate certain old federal and state tax debt.
• Eliminate outstanding medical bills.
• Immediately stop wage garnishments and eliminate the attaching debt.
• Temporarily stop foreclosures and eliminate liability on existing mortgages, or pursue court-ordered mortgage modification mediation when available.
• Eliminate debts obtained through judgments that are causing driver's license suspension and may allow reinstatement of a driver's license.
• Temporarily stop evictions and eliminate past-due rent owed to a landlord, as well as discharge remaining lease obligations.
• Address vehicle-related debts, including:
• Keeping a vehicle while addressing related debt,
• Returning a vehicle and eliminating the associated debt,
• Eliminating vehicle deficiency balances from prior repossessions,
• In some cases, reducing interest rates and principal balances on vehicle loans.
• Eliminate certain government overpayments, such as some unemployment compensation, Social Security, and tax overpayments, as described in the firm's materials.

Who Chapter 7 may be right for

Chapter 7 may be appropriate for individuals who:

• Are experiencing mounting unsecured debt and cannot keep up with payments.
• Are facing collection calls, lawsuits, wage garnishments, or other aggressive collection activity.
• Need to eliminate qualifying debts rather than repay them over time.

Eligibility for Chapter 7 and which debts can be discharged depend on each person's specific circumstances and applicable law. For an evaluation of your situation, contact the firm directly.

Consultation and next steps

• The firm offers a free initial consultation to discuss whether Chapter 7 bankruptcy may be right for you.
• During the consultation, the attorney can review your financial situation, explain what debts may be addressed, and outline the filing process.

For details about whether you qualify for Chapter 7, which of your debts may be dischargeable, and what assets you can keep, contact Footman Law Firm, P.A. to schedule a free consultation.

Ask anyway — the agent will say plainly that it is not published rather than guess.