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Bankruptcy Aid in Pensacola, Florida

Courtroom judge seat

Decrease Your Debt

While it may seem like a daunting decision, filing for bankruptcy is sometimes your best option for getting out of debt. Don’t try to deal with this complicated process on your own. We’ll help you navigate your way to financial freedom and a fresh start.

Our Areas of Expertise


Chapter 7

Chapter 7 bankruptcy is also known as a liquidation bankruptcy. This is because it is designed to remove debt in a three- to six-month period by selling the debtor’s property. Generally, only those whose salary falls below the median income can qualify for this program.

Chapter 13

Chapter 13 bankruptcy (also known as reorganization bankruptcy) uses your income to gradually eliminate your debt.
A repayment plan will be drafted that will remove a standard amount of money from your salary until the relevant debts are entirely paid off.

Debt Consolidation

Debt consolidation is a personal finance strategy that is designed to reduce the interest rates of your monthly payments. You will take out a single low-interest loan in order to pay off your other, more pressing debts.

Steve Hogan

What We Help Prevent

While helping you through the process of filing bankruptcy, we will strive to assist you in every way that we can. This includes contesting foreclosures, repossessions lawsuits, garnishments and harassing calls. Our team will work diligently to make this process as easy as possible for you.

Our Personal Services

The Law Office Of Stephen R. Hogan, P. A. is dedicated to providing legal counsel to the people of Pensacola, Florida. Don’t hesitate to get the help you need to file for bankruptcy. We’ll be with you every step of the way.