Becoming the most experienced bankruptcy firm in Northeast Florida has taught us a few things in the process. The most important lesson we’ve learned is that bankruptcy only solves half of your financial problem. If you are behind in payments to creditors, your credit score is low because of late payments, charge-offs, foreclosures, and repossessions. Terrible credit is part of the vicious cycle of poverty. People with bad credit pay more for everything, such as cars, houses and credit cards. Parker & DuFresne’s lawyers are the only holistic bankruptcy law firm in Northeast Florida. We help you eliminate debt and rebuild your credit through our credit rebuilding program. Most clients experience a complete transformation of their financial health in a couple of years from a bankruptcy filing, whether they file a Chapter 7 , Chapter 11 or Chapter 13. Another valuable lesson we’ve learned over the years is that people in need of debt relief often don’t have the immediate resources to pay for the bankruptcy. That’s why we’ve pioneered fee installment payments. Our Fast File program allows you to file a Chapter 7 bankruptcy without paying any fees before filing the case. You only need to cover the actual out-of-pocket costs to get your case filed. Similarly, in Chapter 13, the vast majority of our attorney fees are paid after we file your case.