Bankruptcy & Debt

After over two decades of practicing law, attorney Michael H. Johnson has accumulated an expansive knowledge of bankruptcy law and effective solutions to all financial problems. With Michael as your attorney, you will have his skill, insight and compassion on your side as you work with him to put a plan in place that will allow you to move forward on a path toward relief from your debt.

Ralph Goldberg has practiced law since 1975. He is a member of all courts in Georgia, and the Eleventh Circuit Court of Appeals, and Supreme Court of The United States. He has specialized in constitutional litigation, police misconduct, consumer law, and bankruptcy, and is recognized for his expertise and tireless advocacy of his clients.

I have proudly focused my law practice on helping consumers who are harassed or sued by abusive debt collectors.

Marcus is dedicated to helping people who have experienced financial difficulties as a result of life’s unexpected hardships. His law practice focuses on helping individuals and businesses solve their debt problems through bankruptcy. Marcus graduated from Texas Tech University School of Law (J.D., 1995) and Texas Christian University with a business degree (B.B.A., 1992). He has helped many clients get the financial and emotional fresh start they are looking for by guiding them to a successful conclusion of their bankruptcy case. Marcus is licensed to practice in the State of Texas courts and United States District Court (Northern and Eastern Districts of Texas). He is a member of the Dallas and Tarrant County bar associations. A lifelong resident of Texas, Marcus grew up in Sherman and attained the rank of Eagle Scout.

Meet David Hernandez, a dedicated and experienced bankruptcy lawyer based in the bustling city of Chicago, IL. With a passion for helping individuals and businesses overcome financial challenges, David has built a reputation as a skilled legal professional in the field of bankruptcy law. He is committed to providing his clients with personalized attention and guiding them through the complex legal process with empathy and understanding. Whether you are facing overwhelming debt, creditor harassment, or the threat of foreclosure, David has the expertise to help you find the best path forward. With his extensive knowledge and compassionate approach, David Hernandez is a trusted advocate for anyone seeking relief from financial difficulties in the Chicago area.

Filing for bankruptcy is not ideal but it does provide immediate relief and a second chance at building your financial life. If your debt has become unmanageable and you’re struggling to make ends meet, it might be time to consider bankruptcy options. My first and foremost responsibility is to explain in detail all of the legal options you have. I’ll gather your relevant financial data and use it as a guide to recommend the best course of action.

Proudly taking bankruptcy and debt cases out of Vatham, New Jersey and the surrounding areas.

Amber Wolf brings over 22 years of legal experience, specializing in consumer debt and bankruptcy law. With a career marked by entrepreneurial spirit and steadfast client advocacy, Amber has led her own practices since February 2003. She leverages her extensive background to guide clients through complex bankruptcy proceedings—be it Chapter 7 or Chapter 13—and address consumer protection challenges. Known for her friendly, knowledgeable, and effective approach, she combines meticulous attention to detail with a commitment to personalized service, ensuring every client receives strategic and compassionate legal counsel.

Stephen Bernhardt has been an attorney since he was 25 years old. Now, nearly a decade later, Bernhardt has extensive trial experience in both criminal and civil law. He began his legal career as a prosecutor, first handling misdemeanor offenses such as DUI, Battery, Possession of Controlled Substance, Violation of Injunction and many others. Bernhardt was quickly moved to a felony division and become the State Attorney’s Office’s representative for the county’s Drug Court Program. In this role, Bernhardt learned many techniques to help individuals overcome addictions as well as the differences between the many rehabilitation establishments throughout Florida. Prior to leaving the State Attorney’s Office, Bernhardt was the lead prosecutor in his division. Bernhardt conducted several jury trials that ended in convictions and sentences of more than thirty years, including a mandatory life in prison sentence. After leaving the State Attorney’s Office, Bernhardt began practicing civil law for one of the largest creditors’ rights firms in the United States. Bernhardt quickly became the lead litigating attorney for the firm’s Florida office and handled countless civil hearings and trials before leaving to start Bernhardt Law, PLLC. Bernhardt Law focuses on the practice areas of Criminal Defense, Personal Injury and Debt Defense. Using the knowledge gained throughout the years, Bernhardt Law is dedicated to making sure each client’s specific situation is handled with the utmost professionalism, attention to detail, and integrity. How did you build a successful practice? I was fortunate enough to begin my legal career having great mentors and practicing in front of great judges. Having that foundation and always continuing to work hard has helped me build a successful practice. What should clients look for in a lawyer? Clients should look for a lawyer that has a strong work ethic and that conducts himself/herself with integrity. How important is local knowledge to the success of your cases? Having knowledge of the local judges and attorneys for the other side in very important in all areas of law. What information can you provide in a free phone consultation? I’m happy to discuss an individual’s legal matter for free over the phone or at one of our locations. I would review their case, discuss the strengths and weaknesses and determine what options may be available for the client What information do you need in a free phone consultation? I would like to review any paperwork they’ve received from the other attorney/party as well as contact information for following up. What differentiates you from other lawyers in your community? The two things that separate me from other lawyers are (1) my trial experience and (2) my experience on the opposing side. I have handled more trials in my first decade as an attorney than most attorneys will handle in their entire career. Additionally, as it pertains to criminal defense and debt defense, I have been the head attorney in my respective divisions for the sides I now go against. This gives me a big advantage in those cases. What is the most rewarding aspect of your job? When someone comes to me, it usually means they’re going through a tough time. Either they’ve been hurt, arrested or sued. Helping someone get through that difficult time by putting these legal issues behind them is very rewarding. What are your other interests in addition to law? I am a big sports fan and I also love to travel.

Frank Kerney III is a managing partner of The Consumer Lawyers. Frank grew up in central New Jersey before moving to Florida to attend the University of South Florida. After graduation, Mr. Kerney attended Stetson University College of Law where he was inducted into the law school’s honors fraternity and awarded the William F. Blews pro bono service award at graduation. Prior to co-founding The Consumer Lawyers, Frank worked for Morgan & Morgan’s national consumer protection department where he represented consumers across the Untied States in a variety of cases, with a focus on consumer credit reporting and illegal debt collection. Frank has been named a “Rising Star” by Super Lawyers magazine every year since 2016. Only the top 2.5% of lawyers in each state receive this award. In 2020, Frank was named a Top Attorney Under 40 by Law360, and was one of only two Plaintiff’s lawyers to be included in that list. Frank has been interviewed as legal analyst by multiple publications, including Law360, ABC, NBC, and Fox, and stories about his cases have been featured all over the world.