Florida & Washington, DC · Virtual Practice
The Bankruptcy Attorney Who Files and Fights Back.
The moment your case is filed, the calls stop. The garnishment stops. The fear stops. And when creditors cross the line after that, Attorney Fraser pursues them personally in federal court.
Florida and DC, one of the only attorneys combining bankruptcy filing with active post-discharge creditor litigation.
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Best of Florida
Since 1998
Steven C. Fraser, Esq. is a bankruptcy attorney licensed in Florida (FL Bar No. 625825) and Washington, DC (DC Bar No. 460026), practicing exclusively in Chapter 7 and Chapter 13 bankruptcy, automatic stay enforcement, FDCPA debt collector violations, and FCRA credit report disputes. His Florida practice is based in Jacksonville; DC representation is entirely virtual. He is also a Florida Supreme Court Certified Mediator (Cert. No. 37256 CFR). Free consultation: 877-862-7188.
The Moment You File, Everything Stops.
The phone stops ringing. The wage garnishment draining your paycheck every two weeks, gone. The foreclosure sale date keeping you awake at 3 a.m., stopped. With that weight removed, you can think clearly, make good decisions, and begin to rebuild, with a lawyer who is not done fighting for you the moment the discharge order is signed.
Creditor Calls
All collection contact must stop immediately, calls, texts, letters, emails.
Wage Garnishment
Your employer must stop deducting from your paycheck as of the filing date. Florida head-of-household wages are also protected under §222.11.
Foreclosure
Any pending foreclosure sale is halted, including Florida circuit court and DC Superior Court proceedings.
Repossession
Vehicle repossession is prohibited. Already repossessed? Recovery may be possible.
Lawsuits & Judgments
Active lawsuits are frozen and judgment enforcement is immediately prohibited.
Bank Levies
Creditors cannot seize funds from your bank accounts once the stay is in effect.
What If a Creditor Ignores the Stay?
Most bankruptcy attorneys file the petition and move on. Attorney Fraser monitors for stay violations, and when creditors willfully ignore the federal court order, he pursues them. Under 11 U.S.C. § 362(k), you may be entitled to actual damages, punitive damages, and attorney's fees, paid by the creditor who violated your rights.
Two Powerful Paths to a Fresh Start
Chapter 7 eliminates most unsecured debt in 4 to 6 months. Chapter 13 lets you keep your home, catch up on arrears, and repay on a structured plan. Both begin with immediate federal protection.
Chapter 7
The fastest path to discharge. Most unsecured debt eliminated.
Chapter 13
Keep your home. Cure mortgage arrears. Repay what you can afford.
Do You Qualify? Find Out in 3 Minutes.
The Florida Chapter 7 means test calculator applies the official federal test to your income and household using 2026 DOJ median income data. No account required. No credit check.
Filing in Washington, DC? Use the DC calculator on dcdebtrelief.com.
The Lawyer Behind Every Case
I became a bankruptcy attorney because I believed people in financial crisis deserved a real advocate, someone in the room when they need help most, not after the crisis has passed. Most people see bankruptcy as an end. I see it as a strategic financial tool used by some of the most famous leaders and innovators in history, Walt Disney, Abraham Lincoln, Henry Ford, Mick Fleetwood, Marvin Gaye, Meat Loaf, 50 Cent, and MC Hammer all used bankruptcy to restructure and come back stronger, and I am honored to help you do the same. Financial collapse carries a shame the system does nothing to ease, but the law is powerful when someone who knows it is standing in your corner. A fresh start should feel like one.
You work with Steven Fraser directly, always
No reassignment. No network. No handoffs. The attorney you hire handles your case start to finish.
The only bankruptcy attorney who also fights back
FDCPA, FCRA, discharge injunction, automatic stay violations, actively pursued. Not a discharge mill.
Admitted in eight federal courts, Florida and DC
Florida: U.S. Bankruptcy Courts & U.S. District Courts for the Northern, Middle & Southern Districts. DC: U.S. Bankruptcy Court & U.S. District Court for the District of Columbia.
100% virtual, no office visits required
All consultations by phone or video. Documents via secure portal. Complete representation from home.
Most Bankruptcy Attorneys Stop at Discharge. Steven Fraser Doesn't.
Many firms consider their work complete when the discharge order enters. What happens after, how creditors treat you, how your credit report reflects the case, whether collectors respect the court's order, is not their concern. It is ours.
Post-Discharge Creditor Violations
Creditors who continue collecting on discharged debts violate the discharge injunction. Attorney Fraser pursues sanctions under §524, including damages payable to you.
FDCPA, Debt Collector Violations
Harassment, misrepresentation, and illegal collection tactics may entitle you to statutory damages up to $1,000 plus attorney's fees from the collector.
FCRA, Credit Report Errors
Discharged debts that continue reporting as active balances are FCRA violations. We identify and dispute them aggressively on your behalf.
Automatic Stay Violations
Creditors who continue collection after your filing date face sanctions under §362(k), actual damages, punitive damages, and attorney's fees paid by the violating creditor.
Florida Bankruptcy Guides & Insights
Plain-English answers to the questions Florida residents actually ask
Storm Repair Debt After Hurricane Season: Contractor Liens and Bankruptcy in Florida
Hurricane season ends November 30, and the bills for roofs, tarps, tree removal, and water remediation arrive long before the insurance check does. A Florida contractor who is not paid can record a construction lien against your home within 90 days of finishing the work, and that lien attaches to homestead. Here is how storm repair debt is treated in Chapter 7 and Chapter 13, what the lien does to the discharge, and the deadlines that decide whether the contractor has a lien at all.
Read More →Holiday Credit Card Charges Before Bankruptcy in Florida: The 90-Day Presumption
Charging the holidays on a card you expect to discharge is the single most common way a Florida filer turns a clean Chapter 7 into a contested one. Section 523(a)(2)(C) presumes that more than $900 in luxury goods or services charged to one creditor within 90 days of filing, or more than
Identity Theft, Debts You Never Owed, and Bankruptcy in Florida: What the New Social Security Law Changes and What It Does Not
H.R. 5345, signed October 7, 2026, gives a person whose Social Security number was misused, or whose card was lost in the mail, a single team at SSA that stays with the case until it is resolved. It does not recover money, punish the thief, or clean up your credit. If a thief's accounts are mixed in with your own debts, here is how to separate them before you file, how the bankruptcy forms treat them, and what to do if someone collected benefits in your name.
Read More →Bankruptcy Questions, Plain-English Answers
Free Consultation
Speak directly with Attorney Fraser
- Attorney-client privilege from first contact
- Chapter 7 & 13 means test analysis
- Student loan discharge review
- Florida and DC jurisdictions
- Creditor violation assessment
- Same-week appointments available
100% virtual practice. All consultations by phone or video.
Schedule a Consultation, Sign Your Contract, and Make a Payment
Three simple steps to get started, securely, from wherever you are.
Schedule a Consultation
Book your free consultation directly on Attorney Fraser's calendar. Phone or video, your choice. Same-week appointments typically available.
Sign Your Contract
Review and sign your engagement agreement electronically via SignNow, no account required, sign from any device.
Make a Payment
Pay your retainer or filing fee securely online. Confido is a PCI-compliant, bar-approved payment platform. Credit card, debit card, and LawPay Pay Later (Affirm financing) accepted.
Upload Your Documents
What to Gather Before Your Consultation
Uploading in advance allows Attorney Fraser to review your complete picture before your call.
- Last 6 months of pay stubs (all sources)
- Last 2 years of federal and state tax returns
- Recent bank statements, all accounts, 3 months
- Debt collection letters, court summonses, judgments
- Credit card and loan statements showing balances
- Mortgage or lease documents
- Student loan statements, federal and private
- Vehicle titles and current loan balances
🔒 Secure Document Upload
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Visit Either Florida Office
Most consultations are virtual. In-person meetings are available at either office by appointment. View full location details →
Jacksonville Office
Post Office Box 550868
Jacksonville, FL 32255
Phone: 877-862-7188
Hours: Mon to Fri, 9 AM to 5 PM
Hallandale Beach Office
221 W Hallandale Beach Blvd, #201
Hallandale Beach, FL 33009
Phone: 877-862-7188
Hours: Mon to Fri, 9 AM to 5 PM