• Credit Card Defense
  • Debt Settlement
  • Foreclosure Defense
  • Chapter 7 Bankruptcy

Are you being harassed by telephone calls day and night?

Having trouble sleeping because you are worried about your financial situation?

You are not alone!

Our law firm is dedicated to helping you, the accused debtor. We do not help banks and creditors. We will prepare and file your bankruptcy, help to settle your debts, negotiate your credit card debt and defend your home in foreclosure.


Every Case is Different. Contact Us to Receive Your FREE Consultation.

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OCALA AND GAINESVILLE BANKRUPTCY, FORECLOSURE, AND CREDIT CARD DEFENSE ATTORNEY SERVING NORTH AND CENTRAL FLORIDA SINCE 1986

The fact is that most people who consider filing bankruptcy or face financial trouble are hard working people who have just fallen on hard times. I can help you. I have been practicing in Ocala and Gainesville for more than 29 years.

The main reasons people consider the bankruptcy option is:

  • Loss of a good job
  • Divorce and now having only one income
  • Illness, and huge medical bills that are created by that injury or illness
  • Huge CREDIT CARD DEBTS (the leading reason people file bankruptcy!)

However, it does not have to be that way. Please call our office and make an appointment to speak with me. I am an expert in bankruptcy and credit card defense. We first of all look at your complete financial situation. You may need to file a bankruptcy, but many people I have seen do not have to file a bankruptcy right away or even at all. It might be that we can negotiate your debt to a SMALL AMOUNT or in quite a few cases we have had the debt eliminated entirely. Bankruptcy is not the only option.

We have found that credit card debt can be handled by aggressive litigation. Many junk debt buyers will try to sue you for your prior debt. Below, I have listed some of the most frequent companies that sue, but this list is not inclusive.


If you are being sued by any of the following companies please call us immediately.

  • CACH LLC
  • PORTFOLIO RECOVERY
  • MIDLAND FUNDING
  • ASSET ACCEPTANCE
  • FIA CARD SERVICES
  • CAPITAL ONE
  • CAVALRY PORTFOLIO

Read some of my articles about bankruptcy, foreclosure defense and credit card defense and if you have any questions whatsoever call us! We offer a free consultation and will give you plenty of information that you can take home and read. We will continue to keep you up to date with new articles and information, and will take the time to understand your individual situation.

One thing that I have learned over the last 29 years practicing bankruptcy law is that the decision to file a bankruptcy is the hardest thing to do. However, if you do decide to file then all that stress and worrying about how you can take care of your family goes away. You feel relief that you can move on in your life and let those creditors call our office and not you. Tell them to “Call my lawyer, Laurence Steel” and we will be happy to take their calls!


Bankruptcy, and credit card or foreclosure defense are complicated areas of law. Before you decide to retain a lawyer to ask him or her these questions.

  • How long has he or she been practicing this area of law?
  • When did he or she graduate from Law School?
  • How many cases have they filed in the last 20 years?

We understand that you do not have a lot of money and therefore you can retain our office for a low monthly deposit. You can then make payments on your case. As soon as you retain us you can refer all your creditors to us. We have found this to be one of the greatest benefits to our clients over the years by allowing our clients to make monthly payment on their fees.