Barbara Cusumano

My name is Barbara Cusumano and I am a compassionate, experienced bankruptcy attorney serving Gainesville, Florida and surrounding communities. To help ease your stress, my bankruptcy law firm offers in person and online bankruptcy filings and a free credit rebuilding program. Over the past 25 years, I have helped thousands of clients discharge millions of dollars of debt. I truly love helping people obtain a financial fresh start! We have all had financial ups and downs. I understand the stress associated with loss of work, divorce, and unexpected illness. I truly feel for my clients when they are overwhelmed by debt. There is such a tremendous feeling of relief when you receive your financial fresh start! Free consultations and phone and video chat appointments are available. Call me for help today! 352-379-2828.

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  Barbara Cusumano, Attorney at Law accepts all major credit/debt cards, cash, check, money order or bank checks.

Florida

Since 1992

8th Circuit

Since 1996

U.S. Bankruptcy Court, Middle District of Florida

Since 1996

U.S. Bankruptcy Court, Northern District of Florida

Since 1996

U.S. Bankruptcy Court, Southern District of Florida

Since 1992

Federal Bar Association, Northern District of Florida

Current

Former Law Intern for the Honorable Sidney M. Weaver, Chief Bankruptcy Judge

Southern District of Florida

Current

Member

Eighth Judicial Circuit Bar Association

1996 - Current

Member

United States Bankruptcy Court, Southern District of Florida

1993 - Current

Member

United States Bankruptcy Court, Northern District of Florida

1992 - Current

Member

United States Bankruptcy Court, Middle District of Florida

1992 - Current

Member

Florida State Bar

1986 - Current

University of Miami School of Law

J.D. | Bankruptcy, Business Law and Litigation

1989 - 1992

University of Florida

B.S. (1985) | Journalism and Communications

1981 - 1985

AV Preminent

Martindale-Hubbell

2020

5 Star Client Rating

AVVO

2020

5 Star Client Rating

Google

2020

Distinguished Peer Rating

Martindale-Hubbell

2020

Top 3 Rated Bankruptcy Attorneys in Gainesville, FLA

Top Three Rated

2019

The Florida Bar  # 0964859

Member

1992 - Current

Q. Hi, my son has a lot of credit card debt, currently unemployed, no income or assets,

May 13, 2020

A: Thank you for submitting your question. Based on the facts presented, in my 25+ years of practice I have never recommended "cease and desist" letters or keeping an attorney "on retainer" to try to keep creditors at bay for a number of reasons. Namely, your son's creditors could sue him whether "cease and desist" letters have been sent or not. And, having an attorney "on retainer" does not stop lawsuits, it just means that creditors would call the attorney rather than your son. Over time, this could be costly. Further, your son's current unemployed work status has nothing to do with being sued. A judgment could still be entered against him. To make matters worse, once he starts to work again, in Florida, his wages could be garnished up to 25% of his gross income. I would definitely recommend that your son investigate filing a chapter 7 bankruptcy with an experienced Florida bankruptcy attorney. With a Chapter 7 bankruptcy, all of the creditor calls would stop and your son could wipe out/discharge all of his unsecured debt (credit cards, lines of credit, bank loans, signature loans, medical bill etc.) within 90 days of filing (with no tax consequences) and, he would start to re-build his credit almost right away.

So, in my opinion Chapter 7 bankruptcy is his best option. I hope this answer helps. You are a sweet mom for helping! ... Read More