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florida bankruptcy attorneys

Are you 
drowning in debt?

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Serving Clients Across Florida

Collection Lawsuits

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Has a debt collection lawsuit in Florida been filed against you?

The Shaffer Law Firm has settled hundreds of debt-based and collection lawsuits in Florida by securing dismissal of the case or by settling the case for pennies on the dollar. 

Let me explain your options:

Do you need to file for Chapter 7 Bankruptcy in Florida?

The Shaffer Law Firm has helped thousands of individuals determine if they should file for Chapter 7 bankruptcy in Florida. We understand the struggle that comes with overwhelming debt, and we work hard to give you the fresh start you need. 

The Shaffer Law Firm are a resource you can trust whether your problems involve:

  • Credit card lawsuits

  • Medical bill collections

  • Home foreclosure

  • Student loan collections

  • Or other issues


  • Last Will & Testament

  • Preneed Guardian Designation

  • Advance Healthcare Directive

  • Durable Power of Attorney

  • Revocable Living Trusts

  • Other Estate Planning Documents

  • Packages starting at $250.00

  • Upfront Pricing 

  • Free Consultation 

  • Call (850)398-5187


Over the years, I've seen many good people reach a point in their lives where they believe that there's no escaping their present financial condition. The impact of Covid-19, medical debt, unfair lending practices or job loss may have you feeling like there is no escape. I am here to get you back on track, no matter how hopeless you may feel. 

"It's worthwhile to go find the dragon in it's lair instead of waiting for it to come and eat you."

Every day, the WTS Law Group assists clients in difficult financial situations.  We'll be there for you every step of the way to reduce your financial pressure, get you back on the positive financial footing, and ensure your safety. It might seem difficult at this point, but with the assistance of our bankruptcy attorneys and debt collection lawyers, debt relief is possible for anyone. 


You will never have to leave your house to retain us.  Our attorneys conduct virtual consultations over the phone, may appear in court on your behalf, give you paperwork to digitally sign, and accept via LawPay link.


Since 1993, our firm has focused on providing affordable, cost-effective legal representation to people with financial difficulties across the state of Florida.


We are here to answer your questions, providing comprehensive and supportive guidance that suits your best interests. We know that paying for an attorney is expensive and we accept payment plans. 

destin bankruptcy

Is Bankruptcy a Good Option for You? 

Unexpected reduction in income, death of a spouse, job loss, health problems, out of control inflation, and divorce. These are just some of the many reasons that good, honest people may not be able to pay their bills on time. This starts a downward spiral leading to ridiculous late fees, high interest rates, nasty collection calls, garnishments, repossessions, and overwhelming anxiety. Fortunately, for many people, filing bankruptcy can help them regain financial control of their lives. 

However, many times people are either too proud or too afraid to find out whether bankruptcy might be a potential solution. Florida bankruptcy laws can be extremely complicated and often difficult to understand. As an attorney with over 30 years of experience, I have helped thousands of people obtain fresh financial starts, free from the burdens of overwhelming problems caused by debt.  

Why waste hours Googling confusing, incorrect, or often outdated information about whether bankruptcy is for you? Why fill out online forms and questionnaires with your sensitive, personal financial information for who knows who to see? I am ready right now to listen to you, review your specific circumstances, address your concerns, and help you understand the advantages and disadvantages to filing for bankruptcy. Help is a phone call away! 



"Mr. Shaffer is an amazing attorney and one of the best in FL. The legal system is an intimidating force to be reckoned with and not one to defend against alone. Mr. Shaffer will take care of you and your case with better than expected outcomes. He is very organized and responsive"

WTS Law Group - Florida Debt Relief
    When it comes to Chapter 7 bankruptcy cases, many clients have concerns about losing their property. However, in the vast majority of cases I handle, my clients are able to keep all of their belongings. This is because most of their property can be protected through exemptions under bankruptcy and non-bankruptcy laws. Determining which property can be protected can be complex and requires a thorough understanding of these laws. If you have concerns about losing property as a result of filing for bankruptcy, I encourage you to contact me to discuss your specific situation. I would be happy to provide more information and help alleviate your concerns.
    To be eligible to file for Chapter 7 bankruptcy in Florida, you must pass a means test. The means test compares your income to the median income for households of your size in Florida. If your income is below the median income, you are eligible to file for Chapter 7 bankruptcy. If your income is above the median income, you may still be eligible to file for Chapter 7 bankruptcy, but you must pass additional tests to show that you do not have the ability to pay your debts through a Chapter 13 repayment plan. Additionally, you must complete credit counseling and a financial management course before filing for Chapter 7 bankruptcy. It is important to consult with an experienced bankruptcy attorney to determine your eligibility and the best course of action for your individual case.
    Filing for bankruptcy can provide a range of benefits for individuals struggling with overwhelming debt. Some of the benefits include: Discharging most or all of your debts, including credit cards, medical bills, signature loans, and judgments, which means you are no longer legally obligated to pay them. Stopping foreclosure on your home and giving you time to catch up on missed payments. Protecting your property from repossession and even getting back property that has already been repossessed. Putting an end to harassment and legal actions from creditors and debt collectors. It's important to note that bankruptcy may not discharge all types of debt such as mortgages and taxes, but it can provide a fresh start for managing your finances and dealing with these debts. It is important to seek the advice of a professional attorney to understand the process and options available to you.
    At the William T. Shaffer Law Group, we understand that filing for bankruptcy can be a financial burden, and many people may not have the funds to pay all the fees and court costs upfront. That's why we offer flexible payment plans to help make the process more affordable. Our payment plans allow you to spread the costs over 4-6 months, so you can focus on resolving your financial difficulties without the added stress of a large lump sum payment. Please note that we are not able file your case with the bankruptcy court until all fees and costs have been paid, however, after you make your first payment to us, you will have immediate access to our legal team to provide you with any necessary guidance and to refer any creditors attempting to collect a debt from you to us. Our goal is to make the process as stress-free as possible and to help you regain control of your finances.
    It is important to understand that filing for bankruptcy will be reported to the major credit bureaus, Equifax, Experian, and TransUnion and will remain on your credit files for up to 10 years. However, it is important to note that credit scoring is based on a variety of factors, and the fact that you filed for bankruptcy is just one of them. The fact that you have filed for bankruptcy does not necessarily mean that you will not be able to obtain future credit. In fact, many of our clients at the William T. Shaffer Law Group have seen an improvement in their credit scores in the year following their bankruptcy filing. At your initial consultation with us, we can provide you with a comprehensive credit report from all three bureaus, including an estimate of what your credit score will be one year post-bankruptcy. This report, provided by CreditExpert, Inc., will help you understand the potential impact on your credit score and assist you in making an informed decision.
    There will be at least one court hearing, called a 341 Meeting of Creditors, that you will need to attend. The 341 Meeting of Creditors is also known as the "first meeting of creditors," and it is an opportunity for the bankruptcy trustee to ask you questions about your assets, liabilities, and financial situation. Creditors are also welcome to attend this meeting and ask questions, but it is rare for them to do so. It's worth mentioning that due to the current situation of the COVID-19 pandemic, the 341 meeting of creditors are now conducted via phone or video conferencing. This meeting is usually held about a month after you file your bankruptcy petition and lasts about 5 minutes. It is important to be honest and accurate in your responses to the trustee's questions. The trustee will review your case and ensure that you are eligible for bankruptcy relief and that your assets and property are properly protected. It is important to consult with an experienced bankruptcy attorney to prepare you for this hearing and understand the process.
    No matter which form of bankruptcy is sought, not all debt can be wiped out through a bankruptcy case. Taxes, spousal support, child support, alimony, and government-funded or backed student loans are some types of debt you will not be able to discharge in bankruptcy.
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