Bankruptcy & Debt

Jeff Todd has a broad range of legal experience and has practiced law in numerous jurisdictions and settings. Upon graduating from law school, he practiced reinsurance law at Chadbourne & Park in Washington, D.C. He subsequently relocated to Atlanta, Georgia and initially served as in-house counsel to Delta Air Lines, focusing primarily on marketing and mergers. In search of acquiring more courtroom experience, he joined a high volume workers' compensation firm in Decatur, Georgia, where he successfully represented hundreds of injured workers throughout Georgia. Jeff ultimately returned to Texas and was most recently associated with Greer, Herz & Adams of Galveston, where from 2003-2007, he practiced with some of the most highly skilled and regarded attorneys in Galveston County. Jeff started his own firm in 2018 to better serve his clients and has assembled a top notch team to achieve the best results for his clients. Given the broad success of his new firm, Jeff has expanded offices in Galveston and Austin to better serve clients throughout the state and country.

Jeff Todd has a broad range of legal experience and has practiced law in numerous jurisdictions and settings. Upon graduating from law school, he practiced reinsurance law at Chadbourne & Park in Washington, D.C. He subsequently relocated to Atlanta, Georgia and initially served as in-house counsel to Delta Air Lines, focusing primarily on marketing and mergers. In search of acquiring more courtroom experience, he joined a high volume workers' compensation firm in Decatur, Georgia, where he successfully represented hundreds of injured workers throughout Georgia. Jeff ultimately returned to Texas and was most recently associated with Greer, Herz & Adams of Galveston, where from 2003-2007, he practiced with some of the most highly skilled and regarded attorneys in Galveston County. Jeff started his own firm in 2018 to better serve his clients and has assembled a top notch team to achieve the best results for his clients. Given the broad success of his new firm, Jeff has expanded offices in Galveston and Austin to better serve clients throughout the state and country.

Jerome Ramsaran is an experienced litigator and personal injury lawyer. He has had the pleasure to represent and protect the legal rights of clients throughout the state of Florida with a focus in personal injury litigation, premises liability actions, and property damage claims. He earned his Juris Doctor, cum laude, from the University of Miami School of Law and was a member of the law school’s moot court team. Jerome is a member of the Florida Bar and is admitted to practice before all Florida state courts and the U.S. District Court for the Middle and Southern Districts of Florida.

Julia has over 20 years of experience representing diverse business industries and individuals as debtors in reorganizations, bankruptcy, and debt restructuring. She has been lead and co-counsel in Chapter 11 bankruptcies on behalf of real estate developers, hospitality companies, commercial landlords, manufacturers, fabricators, logistic companies and high net-worth individuals. She also has significant experience representing lenders and creditors in bankruptcy court and state court, including stay modification litigation, adversary actions, priority lien disputes and commercial collection and foreclosure, as well as contractors and homeowners in construction and mechanic’s lien litigation. Julia has in-depth experience drafting contracts, leases, business sales transactions and settlement agreements with an eye toward anticipating potential litigation and protecting her clients. Additionally, she represents condominium and homeowners’ associations in litigation, collection, negotiations with vendors and disputes with utilities and municipalities. Julia is experienced with drafting estate plans and representing estate and beneficiaries in probate litigation. As a seasoned attorney, Julia handles all aspects of litigation including investigations, pleadings, discovery, pre-trial matters, trial, and if appropriate, settlements and/or appeals of trial decisions. Julia is a frequent speaker with the Illinois State Bar Association on topics in Bankruptcy, Mechanics Lien and Collection Strategies. Julia is the Chair of the Firm’s Litigation Practice, and a third year honoree for the 2026 Illinois Super Lawyers® list.

Jackie Robert Geller is a graduate of Thomas Jefferson School of Law. A member of the California State Bar since 1980, Attorney Jackie Robert Geller has concentrated his practice in the area(s) of Bankruptcy, Estate Planning, Tax, and Family Law. He is a member of the California State Bar.

Bert L. Roos, Personal Counsel is an attorney whose practice is primarily in the area of family law, such as Divorce, Child Custody, Child Support, Spousal Support, and Paternity. Other areas of practice include DUI, Probate, Personal Injury, and Civil Matters. Bankruptcy services and filings also available. My office also does document preparation, wills and trusts.

We have offices located in Westchester, White Plains and New York City and we represent clients throughout all of New York State in various legal matters. Obtain the finest legal assistance that money can buy when you do business with Osorio Cachaya Law Offices PLLC, your premier source for professional legal aid in the Westchester, White Plains and New York City region. Since 1999, our legal consultants and attorneys have provided you and your family with the finest law services at some of the most affordable rates in the area. Call our experienced attorneys and legal consultants to request our assistance. We work as a team to better serve your needs for immigration, bankruptcy, criminal defense, foreclosure defense, real estate, personal injury, divorce and family law matters. We have experienced attorneys dedicated to each practice area so you can feel confident that our expertise is on your side.

Over 50 Years of Combined Legal Experience! Experienced Illinois Bankruptcy Law AttorneysAre your financial problems forcing you to consider bankruptcy?Are you overwhelmed by debt? You are not alone. Most people work hard to pay their bills. Unfortunately, medical bills, divorce, mortgage or credit card rate increases, and other expenses can cause debt to grow until it is out of control. The stress caused by debt can often be overwhelming affecting your family, friends and relationships. Many times, bankruptcy is the answer. Sometimes there are other options.At Bankruptcy Counselors LTD. and The Law Offices of John J. Lynch, our attorneys have more than 35 years of combined experience helping people in Lisle and the surrounding parts of Illinois, including Aurora and throughout DuPage County.We are available to handle all matters related regarding general bankruptcy issues, including both debt relief for individuals and debt relief for small businesses. Our lawyers can provide guidance on Chapter 7 bankruptcy, as well as Chapter 13 bankruptcy.We can help you understand and even prevent debt through our debt counseling and debt management services. We can provide foreclosure defense to people who have been threatened with the loss of their home. Additionally, we can help you understand the relationship between real estate and bankruptcy filing.We are a firm that is focused on working with our clients individually. Our attorneys will get to know you and your situation. We realize that each client is unique and each case has specific issues that we will take into account. The legal guidance we provide will be custom designed to meet your needs.We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Consumer fraud attorney Robert Murphy is a trial lawyer who practices in the areas of consumer litigation in Florida and across the country. In over 25 years of practice, he has actively litigated cases under almost every aspect of the federal and Florida consumer protection laws. He has acted as lead counsel in the litigation of cases both individually and on a class basis in almost every venue in Florida. He is dedicated to advancing the consumer rights of Americans through both courtroom advocacy and the education of families and individuals concerning consumer protection laws.

We focus our practice exclusively on consumer protection and class action law. We work on behalf of consumers whose rights had been violated by advertisers, banks and other lenders, auto dealers, credit bureaus, debt collectors and landlords. Consumer protection laws are designed to protect consumers like you from predatory lenders, overzealous debt collectors, careless credit bureaus and other harmful business practices. At our firm, we work to enforce existing consumer protection statutes to resolve consumer problems with: Unfair collection practices/debt collection harassment Unwanted telemarketing calls (robocalls) and spam texts Junk faxes Identity theft Credit reporting problems Mortgage problems