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Credit Card Debt

In Credit Card Debt? You're in Good Company

If you face endless bills and mounting credit card debt in Florida, you are not alone. The U.S. Census Bureau recently found that credit card holders in the United States hold more than $870 billion in outstanding debt, and that figure continues to climb every day. Thankfully, when you face seemingly insurmountable credit card debt, you have options.

At The Law Offices of Elkins & Elkins, we carefully assess your situation and help you understand whether bankruptcy, debt negotiation or some other option is best for your circumstances. To provide you the straightforward answers you need, we draw on the knowledge and experience we have gained through more than 15,000 successful consumer bankruptcy filings. When you work with our firm, an Orlando lawyer for credit card debt can custom-tailor advice to your specific goals, and make sure that you have a trusted advocate at your side through the entire debt relief process.

Filing at the Right Time

While credit card debt is typically considered unsecured, meaning it can be discharged in bankruptcy, there is a catch. The timing of your bankruptcy filing is important, as the purchases that you made with the card up to 90 days prior to filing will be under extreme scrutiny.

We understand that you may have used your credit card to pay for groceries and other necessities, but the court does not automatically assume this. As such, it is vital to speak to us as soon as possible so that we can help you file your bankruptcy petition at the appropriate time, and advocate on your behalf before the bankruptcy court.

Call Us Today

To discuss your options with an attorney — our initial consultations are free of charge — contact our firm.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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The Elkins & Freedman law firm was effective, responsive, and knowledgeable to me during my dire family law situation. Before hiring Mr. Elkins, my ex-girlfriend/mother of my child was not letting me see my child. After hiring Mr. Elkins, I got my child at least half the time. I was most impressed with Mr. Elkins ability and willingness to directly level with my ex-girlfriend/mother of my child, whom initially was uncooperative and not represented. I sincerely felt that Mr. Elkins was my advocate and he got the job done. I highly recommend Mr. Elkins and the Elkins & Freedman law firm to anyone who needs legal representation.

Kendall G.

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1420 Celebration Blvd. Suite 200
Celebration, FL 34747
Phone: 407-830-1177


7380 W. Sand Lake Rd. Suite 500
Orlando, FL 32819
Phone: 407-830-1177

Altamonte Springs

283 Cranes Roost Blvd. Suite 111
Altamonte Springs, FL 32701
Phone: 407-830-1177