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Melissa Cain

Melissa Cain

Restore Hope. Regain Control. Rise Up.
  • Bankruptcy
  • Alabama, California, Florida, Nevada
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Paul Cain
Paul Cain April 22, 2021
Rating: 10 Lawyer Rating - 10 out of 10
Melissa Cain is a kind and compassionate attorney who cares deeply about her clients.
Claimed Lawyer ProfileOffers Video ConferencingQ&ASocial MediaResponsive Law

For over 10 years I have worked with clients to help resolve their financial hardships and plan for a solid future. My clients range from 20-somethings trying to get on the right track, families looking to save their homes, individuals interested in protecting their assets, and businesses that are restructuring debt in order to stay competitive.

I would love to learn about you and how I can help you achieve your goals!

Practice Area
    Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
Video Conferencing
  • FaceTime
  • Skype
  • Zoom
  • RingCentral
  • Free Consultation
    0 Down options available. Accept Debit cards.
Jurisdictions Admitted to Practice
Alabama State Bar Association
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State Bar of California
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The Florida Bar
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State Bar of Nevada
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  • English: Spoken, Written
UNLV William S. Boyd School of Law
Activities: Pro Bono Project.
UNLV William S. Boyd School of Law Logo
University of Nevada-Las Vegas
B.S. | Business Administration and Management
Honors: Magna Cum Laude
Activities: Alpha Delta Pi Sorority, Ronald McDonald House, Golden Key Society.
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Professional Associations
The Florida Bar  # 1015664
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Alabama State Bar
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State Bar of California
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Nevada State Bar
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Websites & Blogs
Rise UP Legal
Legal Answers
4 Questions Answered
Q. Chapter 7 in Florida, my Car is paid for, Kelly Blue Book says 14K ..but I need a Car! What should I do? thank you.
A: Hello -

If your vehicle is reporting a private sale KBB value of $14,000, then there is likely going to be an exemption issue. Under these circumstances a Chapter 13 filing may make sense - allowing you to keep your vehicle and pay off the equity over a period of time. It is possible that a Chapter 7 Trustee will work out a payment plan with you, depending on your budget, age of car, etc. It is best to discuss your best and worst case scenario with a local bankruptcy attorney. You can also have them explain what a Chapter 13 filing would look like in your situation.

I wish you the best of luck!
Q. If I am a co signer and my name is on a vehicle loan, can I file bankruptcy without filing on that loan?
A: Yes, however, even though you have to notify them in your bankruptcy pleading, you will decide if you are going to reaffirm that debt or not. Your co-signor will still be obligated to pay on the vehicle.
Q. Can I get a uncompleted Bankruptcy off my credit report?
A: Your bankruptcy will stay on your credit report, whether or not you completed your case. It is likely to stay on there for 7-10 years from the filing date.

If you are looking to finance a large purchase in the future, you should develop a working relationship with a bank you like and trust. This will help you plan and override any objection from the case reporting.
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Contact & Map
Cain & Cain, PL
822 A1A N, Suite #310, Ponte Vedra Beach, FL 32082
4651 Salisbury Rd
Jacksonville, FL 32256
Telephone: (904) 877-1010
Cell: (904) 717-4488
Monday: 9 AM - 5 PM
Tuesday: 9 AM - 5 PM
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM (Today)
Saturday: Closed
Sunday: Closed
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