Real Help For Overwhelming Debt

At Law Offices of James T. Harper, Jr., LLC, I provide the professional and compassionate legal guidance you need when facing debts you can’t afford, foreclosure and other debt issues.

Serving Merritt Island and Central Florida since 2003



estate planning and probate

Estate Planning And Probate

Experienced Bankruptcy Representation

If you are facing overwhelming debt, an experienced bankruptcy attorney can help you make a fresh financial start.

At Law Offices of James T. Harper, Jr., LLC, I provide comprehensive bankruptcy law support to clients throughout Florida.

If you have accumulated substantial credit card debt, fallen behind on your mortgage payments or been inundated with calls from bill collectors, I can provide options for debt relief.

I understand the significant emotional and financial burdens debt can bring and I am dedicated to helping you achieve a secure financial outlook.

Bankruptcy, Foreclosure Defense And Estate Planning Services

I provide comprehensive legal support throughout Florida to people who owe money including help with the following matters:


I help clients reduce, eliminate or reorganize debt through bankruptcy. I provide representation for Chapter 7 bankruptcy in which the debtor’s nonexempt assets are sold to pay creditors in exchange for relief from certain debts.

I also assist with Chapter 13 bankruptcy, which allows a debtor to establish a repayment plan and make payments to creditors over time and Chapter 11 bankruptcy, also known as business bankruptcy, which lets a company obtain debt relief while continuing business operations.

Debtor and creditor law

Bankruptcy is not the only way to find debt relief. My debtor and creditor law practice helps people relieve debt through such options as mortgage modifications, debt collection defense and student loan debt relief.

Foreclosure defense

If you have received notice of a foreclosure action, I will help you develop a viable foreclosure defense strategy designed to save your home.

Estate Planning

I assist clients with estate planning, including wills, powers of attorney and ‘living wills’ as well as probate administration.

Overwhelming Debt? Call Me Today For Help!