Central Florida Bankruptcy & Estate Planning Attorney

At the Law Office of John Russo, it is our mission to provide respectful and affordable legal representation. Guided by the highest standards of professional and personal integrity, we are dedicated to helping our Central Florida neighbors with their bankruptcy and estate planning needs, helping you through times of financial difficulty and providing peace of mind for you and your family.

We promise to take the time to listen to your situation. We strive to educate you about how your situation is affected by the law, making sure you understand the process every step of the way. As a firm, we are committed to finding the legal strategy that provides the ideal outcome for you and your family.

Estate Planning

WillsLearn More

TrustsLearn More

Healthcare DirectiveLearn More

Power of AttorneyLearn More

Bankruptcy

Chapter 7Chapter 7 bankruptcy, also known as liquidation bankruptcy, is the most common form of bankruptcy in Central Florida. Chapter 7 bankruptcy is a legal...Learn More

Chapter 13Chapter 13 bankruptcy is a legal process that allows individuals with regular income to reorganize their debts and develop a repayment plan to pay off creditors...Learn More

Consumer DebtConsumer debt is debt incurred by individuals for the purpose of purchasing goods and services. Consumer debt includes things like credit card debt, personal...Learn More

Meet John A. Russo

With legal experience that includes prosecuting felons as an Assistant State’s Attorney, supporting veterans with the Veterans Court program, fighting for his clients against insurance companies, and helping Central Floridians restore their financial future, John's commitment to professional excellence and client service is the bedrock of our firm.

What Our Clients Say About Us

At the Law Offices of John A. Russo, we strive to provide affordable high-quality legal representation to each and every client. At the Law Offices of John A. Russo, client satisfaction is our number one priority. Our dedication to legal excellence and client satisfaction can be seen in the words of those we have represented.

Submit a Law Firm Client Review

My husband and I had the pleasure of meeting Mr. Russo at his office last week. We never felt rushed as Mr. Russo listened attentively and discussed our situation for over an hour and twenty minutes. At the end of that time, I offered to pay Mr. Russo a consultation fee for his time and sound advice, which he politely refused. He has certainly...

Sandy

Mr. John Russo was amazing from our very first phone call. He talked with me and answered many of my questions even before I hired him. He explained everything and presented all the options available to me. He helped me through a difficult process and was always available when I needed him. I highly recommend John Russo; he is not only professional...

@Volley_Girl Beach

My husband and I hired Mr. Russo to handle a criminal matter and it was handled very professionally. Mr. Russo was very prompt in returning calls and/or emails. Always following through. A man of his word.

Harvil

My husband and I met Mr. Russo in his office in Melbourne. First, I want to say he is a very kind man and explains everything to you step by step. If there is something you might not understand, he will go over it with you until you feel comfortable. Most people do not know attorney language. He knows that and puts you at ease. He's easy to talk to...

Linda

I would like to recognize Mr. John Russo for his excellent representation for me in a foreclosure case with my ex-husband. His knowledge and professionalism made everything work out positively. I am happy with the result of the case.

Nadya

I would like to thank John Russo for representing me. I thought he was very informative and reliable. I could really tell that he cared about my situation. Every time I had questions and would call him, he responded promptly. I was really impressed with his communication skills and reliability.

Chelsea

John Russo is a wonderful attorney; his empathy and concern are felt the first visit. He basically works for his clients the same way he would work for his own family. I work a lot and he was so laid back about the schedule, allowing me the time I needed. His recommendation and expertise set me on a whole new financial trajectory and I’m extremely...

Mosey MM

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Our Process

DISCUSSING YOUR CURRENT LEGAL NEEDS

It starts with a no-obligation phone, video, or in person consultation, whichever fits your schedule. You’ll get the chance to meet us, and we’ll get the chance to learn about your personal legal situation and determine how we can best help you.

GETTING STARTED

Based on our initial meeting, we will create a personalized plan to best address your legal issues. Whether it be a bankruptcy, a will, or something else, our experienced attorneys will work with you to determine how to meet your legal needs.

MOVING FORWARD

We make information collection as easy as possible; our work won’t interfere with your everyday life. Needed documents can be easily uploaded to our server via a secure link. Our staff stays in contact with you, making sure there are no surprises.

DELIVERING ON YOUR LEGAL NEEDS

When our work is done, our secure technology lets you sign your documents electronically. We make sure that you understand and are satisfied with our work. Our commitment doesn’t end when the work does; if you need us, we will be there for you.

Frequently Asked Questions

Can I rebuild my credit if I file for bankruptcy?

Yes, it is possible to repair your credit after bankruptcy with a structured approach. Create a budget. Check your credit reports often to make sure they are accurate. Make your payments on time; even one late payment can hurt. Rebuilding credit takes time and patience. Consistent, positive financial behavior will improve your credit score.

If I file for bankruptcy, can I still get credit (mortgage, credit cards, etc.)?

It is still possible to get credit in the future. Secured credit cards and credit-builder loans can help. If you file Chapter 13, you could get an FHA loan in as soon as one year, as long as you have made your payments and have court approval. With a Chapter 7, it can be as soon as 2 years. With time and work, you can regain your credit.

Will I lose my home if I file for bankruptcy?

It depends on your situation, and the type of bankruptcy you file. Florida’s bankruptcy exemption is extremely generous; provided you meet residency and ownership requirements you can exempt an unlimited amount of equity in your home. The Florida Homestead Exemption can protect you from most creditor claims and may allow you to keep your home.

I just moved to Florida. Do I need to update my Will?

Each state has different laws regarding wills, so your old will may not comply with Florida laws; this could cause problems during probate. If you've acquired new assets, you should update your will to ensure they are included. Also, since Florida requires executors to be either a resident or a close relative, you may need to appoint a new one.

What can an attorney do to stop creditor harassment?

An attorney can help you understand what creditors can and cannot do to collect a debt. A cease-and-desist letter can stop creditors contacting you. He can negotiate with creditors to reduce the amount you owe. He can communicate with creditors for you, reducing the stress and anxiety. When needed, he can take legal action to protect your rights.

Our Offices

Melbourne Office

6767 N Wickham Rd
Suite 400-D

Melbourne, FL 32940

Map / Directions

Phone: 833-RUSSOFL

Orlando Office

5401 S Kirkman Rd
Suite 310-B

Orlando, FL 32819

Map / Directions

Phone: 833-RUSSOFL

Clearwater Office

29399 US Hwy 19 N
1st Floor

Clearwater, FL 33761

Map / Directions

Phone: 833-RUSSOFL

Maitland Office

555 Winderley Place
Suite 300

Maitland, FL 32751

Map / Directions

Phone: 833-RUSSOFL

Blog

5 Reasons To Consider A Chapter 7 Bankruptcy Debt is a part of our everyday lives. Whether it be a mortgage, a car loan, or a credit card, all of us likely have some debt. Sometimes, though...

3 OF THE WORST PIECES OF ADVICE I’VE EVER HEARD ABOUT BANKRUPTCY As an experienced Central Florida Bankruptcy attorney, I often hear people trying to give advice on bankruptcy. While I’m sure their intentions are...

Five Things You Should Know About a Living Will I’m frequently asked by potential clients about Living Wills. What they are, how they work, and, most often, do I really need one? In my...