My name is attorney Kevin S. Garris and I have been providing bankruptcy representation to individuals throughout the State of Florida for the last twelve (12) years. I hold a Juris Doctor from Tulane University in New Orleans, Louisiana, an LLM in Taxation from the University of Florida in Gainesville,  Florida and am admitted to practice in the US District Court's, Middle District of Florida, Southern District of Florida and Northern District of Florida.

If you are experiencing debt problems, as so many are in this wretched economy, I hope you will take a few minutes to review the information found on this website. The answers to bankruptcy questions section provides answers to many of the questions that I regularly receive from prospective clients. The common bankruptcy myths section attempts to correct some of the misinformation regarding bankruptcy that I frequently encounter. The Chapter 7 and 13 section provides an overview of these two bankruptcy chapters under which consumers normally file. (In Florida, more than 75% of all cases filed by individuals are Chapter 7 cases). The debt settlement and credit counseling section offers an overview of these two heavily marketed bankruptcy alternatives.  Lastly, I would urge you to review the Overview of Fair Debt Collection Practices Act section so that you are aware of your right to respectful and ethical treatment from any creditors who may be contacting you at this time.  After you have taken the opportunity to review the various links mentioned above, kindly review the terms of the following special discounted rate that I am able to offer many of my Chapter 7 clients*.

                                                           *DISCOUNTED FLAT FEE

Thumbtack Best of 2016

                          Typical Fees and Costs                           My Office’s Fees and Costs

Attorneys Fee:           $1,500 – $1,750.00                                                  $1,230.00
Court Filing Fee:         $335.00                                                                     included
Credit Report:             $25.00-30.00                                                            included
Credit Counseling:      $25.00-50.00                                                           included
Debtor Education:      $25.00-50.00                                                           included
Additional Spouse:     $100.00-200.00                                                       included (Joint Case)

It is not unusual today for even fairly routine Chapter 7 cases to be priced in the range of $1,500-$1,750 for just the attorney's fee. When you add to that an additional $335.00 for court filing fees, $25-50 for required credit counseling, $25-50 for debtor education and $25-30 for obtaining a credit report, total fees and costs can easily exceed $2,000.00. This causes some individuals who very desperately need bankruptcy relief to become discouraged and simply do nothing.

I believe that bankruptcy representation for many Chapter 7 cases can be provided at an affordable price without sacrificing quality. I offer a discounted flat fee of $1,230.00 for many Chapter 7 single and joint bankruptcy filings that includes the (1) full attorneys fee, (2) court filing fee, (3) credit counseling fee, (4) credit report with entries from Experian, Transunion and Equifax and (5) debtor education free! This is not some impersonal process where you are responsible for gathering information on your own and working through a lengthy, often confusing, questionnaire without guidance. On the contrary, "I take a hands on” approach and patiently walk you through each of the important issues in bankruptcy so that you fully understand the process at all times.

A brief, free screening by telephone is required (approximately 20 minutes) to determine if you qualify for the discount. Please use the contact us box and place the words Bankruptcy Discount in the subject line. *When you respond, kindly indicate the phone number where you can be reached and three (3) dates and times that you would be available to receive your screening.  I will respond promptly via email to confirm the date and time for your screening. For your convenience, these screenings are available Monday – Thursday between the hours of 6:30 p.m. – 8:30 p.m and weekend telephone screenings are available on Saturday between the hours of 10:00 a.m. – 11:00 a.m. and  3:00 p.m. – 4:00 p.m.. If you need a time other than those listed, kindly contact the office directly at 888-201-2921.  I look forward to assisting you! 

Client Testimonials

See what the following clients that it has been my great privilege to serve have to say about their experiences.

I just want to say that Mr. Garris is one of the nicest most down to earth persons I have ever met. I went into the whole the case having a ton of questions that Mr. Garris answered and was patient enough to spend a lot of his time to make sure I understood. I would recommend him to anyone that needs help on the matter of bankruptcy. I was worried about the case but in the end the process was smooth and straight forward and Mr. Garris was more than helpful no matter what time of the day it was I was even able to speak to him about my case after hours and that was very kind of him. He is a very kind person and cares about your life.


Kevin Garris helped me through one of the most difficult times of my life. He is a highly knowledgeable bankruptcy attorney. Whenever I had a question or needed advice during my case he was always there to lend a hand no matter the time of day or night. He made the process very easy to understand and the transitions from step to step seamless. I would highly recommend Kevin Garris to anybody who is going through the difficult and sometimes very confusing problem of bankruptcy. He helped me get my life back on track, and he can help you too.


Since the first moment I contacted Kevin until the very end to the closure of our bankruptcy case. Kevin has always been there working late hours, overtime and even weekends to make sure everything went smoothly! He was a great help. Answered every question in depth and never left us confused. We would not hesitate in using Kevin again for any legal matter that is within his reach. If you want someone that you can trust to be there every step of the way, contact Kevin. Thanks again Kevin for everything you did for us and all of your help and for multiple calls from us and long conversations! :) 


I was a little hesitant at first, using a lawyer and not even meeting him, but Mr. Garris was more than professional. He was very prompt answering emails and returning phone calls. We had some unexpected issues come up and Mr. Garris went above and beyond to help us get the problem resolved. I would certainly recommend his services to anybody. It was a pleasure working with him to get our bankruptcy completed.


I want to tell you what a wonderful experience I had working with Kevin, he was recommended by a friend who had used his services. My only concern at the time was it was all done remotely. After talking with him the first time you will know he only has your best interest at heart.

You will have lots of questions and just to let you know, you can always get a hold of him, he always answers his phone you never have to go through anyone else. I enjoyed talking with Kevin so much that I still stay in touch with him since my bankruptcy last June. I have never met him but it feels like I have known him for ever. I recommend him very highly, very good at what he does.

Chapter '7 Client

Grateful and Impressive! Two words that best describe how we feel about Kevin Garris. We lost our house to a short sale in 2010. From the very first phone call to the final court date, Kevin was literally a phone call away! It did not matter what time we called him, a return call immediately followed. He provided great insight as to what would be expected during the process of the short sale and the bankruptcy.

We found Kevin through the Florida Bar Association. We never met with him in person. All contact was done at a distance but his services were always consistent and he has a very human side to him, so much more than any legal counsel we could have received in a lawyer. We would retain him again in a heartbeat.

Mrs RA Fuentes
Chapter 7 Clients

I never thought I could deal with legal matters via phone, email and internet! However, Kevin Garris did a wonderful job representing me, I would highly recommend him to anyone in need of a lawyer

Susanne H.
Chapter 7 Client

My wife and I found ourselves in a situation that required assistance from an attorney and were referred to Kevin Garris, Kevin was Very efficient and thorough and We were completely satisfied with his professionalism. We would highly recommend him to anyone that needs an attorney.

Kevin went above and beyond the call of duty for us. My wife and I are very grateful for Kevin's assistance. He handled our affairs with great kindness.

William and Melissa
Chapter 7 Clients

I have to admit that I was totally overwhelmed when I finally decided that personal bankruptcy was the only financial option that I had due to being laid off and having a much lower paying position to merely survive.

I was always so proud of accomplishing my perfect credit score but just as thousands of others in this dwindling economic time found myself unable to survive and pay my credit card bills.

From the moment that Attorney Garris took my bankruptcy case, I felt as if literally a friend had lifted the world off my shoulders. Not only did he walk me through the process gently step by step, explaining each level to me patiently, and many times more than once, in great detail and not overloading me with everything that had to be produced all at once. In the-process, he also became a friend. Attorney Garris not only knows how you are feeling throughout the entire process and spends as much time as you need to reassure you. He actually cares about you and it shows.

Chapter '7 Client

Kevin Garris is terrific. I was underwater with credit card debt, trying to get myself out. I was upside down on my mortgage and trying to get a modification. Then one day out of the blue the company I worked for went out of business and I found myself in a serious financial hardship. After much consideration and thought, I decided my only hope was to file bankruptcy. A friend of mine had recently gone through the process, so I called for a reference. She spoke very highly of Kevin so I gave him a call.

From the first phone call all the way through my discharge, Kevin was literally a phone call or email away. I was amazed that this whole process could be handled through technology without ever stepping foot in his office. He was extremely thorough and thoughtful. He understood what was going through at a very difficult time. There were times when I would call late at night just to leave a message for the next day, and he would actually answer the phone and guide me through whatever questions I had.
Sometimes he would go over specific terminology or rule, 2, 3, or 4 times until I had a full understanding. Kevin would typically reply within a few hours to emails. In order to keep his promise to  my case before the new year, he actually scheduled an appointment with me on Christmas Eve.
That`s dedication!

The ease of remotely filing for bankruptcy astounded me. He even scheduled someone to come to my home and appraise my vehicle. I never had to leave the house until a brief 5 minute appearance at my creditors meeting where I was accompanied by a really friendly and kind attorney associated with his office.

I am grateful to have found Kevin Garris and would recommend him to anyone.

chapter 7 Client

My Wife and I needed the services of a bankruptcy attorney and We were refened to Kevin Garris. Mr. Garris guided us through the process during this diücult time with the utmost professionalism and sensitivity. Every step of the process was explained thoroughly from the initial Visit t0 the final healing.

I would highly recommend Mr. Garris' office to family and friends without hesitation.

Chapter 7 Clients

Kevin made everything extremely easy, and handled problems in an effìcient manner. I am very busy and appreciated Kevin's willingness to do everything by email, internet and telephone. This enabled me to focus on my work. A few of my friends have used his services and my experiences and were equally pleased.

Chapter 7 Client

What made me choose Mr. Garris to help me with my bankruptcy over other attorneys with whom I had consulted was the fact that he was always there to answer my many questions. He responded to each phone call and email. His knowledge, ability, competence and experience were what really helped me through the intimidating and daunting steps of bankruptcy.

I cannot thank him enough for the amazing care he invested in making sure I understood and felt comfortable with every part of the procedure.

Pat M.
Chapter 7 Client

A few years ago after moving from NY to Florida, We found ourselves in financial debt. Not ever wanting to renege on our responsibilities, we sold many of our stock investments, borrowed from credit cards and depleted our 401(K). We also tried to borrow against our home. The loan representative was very honest with us and stated that she “did not see any light at the end of the tunnel”. She suggested we meet with a lawyer to discuss bankruptcy. This had never occurred to us since we were always able to meet our deadlines to pay bills.

We were new to Florida and knew nothing about bankruptcy or bankruptcy lawyers so we randomly chose Kevin Garris. We were truly blessed to find him! Mr. Garris is knowledgeable, compassionate, patient, kind and very friendly. We were never belittled or made to feel ashamed.

Mr. Garris made the process smooth and swift. He was available to answer our calls and if unavailable, the calls were always returned rapidly. If you  yourself needing a lawyer now or in the future, Kevin Garris would be your ideal choice. He was a godsend for us and might be for you also!

M1' and Mrs. Ruiz
Chapter 7 Clients