Van Horn Law Group P.A.

Van Horn Law Group utilizes a flat-fee, all-in billing approach. This means we offer a comprehensive and transparent pricing structure that allows clients to accurately budget for our services. Our fees cover all necessary charges to file the case and include the full scope of legal services required—no surprise costs along the way. For Chapter 7 cases, the advertised price of $388 is to get your case filed quickly and legally. After that, we create a 0% interest payment plan for the remaining attorney fees, which typically range from $1,500 to $2,000, depending on the complexity of the case. This keeps high-quality legal help within reach without upfront pressure. For Chapter 13 bankruptcies, attorney fees are pre-set by the Clerk of Courts, and we continue to offer interest-free payment options to keep the process affordable and stress-free. This client-first billing model ensures total transparency, eliminates financial surprises, and helps our clients move forward with confidence.

At Van Horn Law Group, we’ve streamlined our process to make working with us easy, transparent, and effective from day one. Here’s what you can expect: Free Consultation – Every new client starts with a free consultation where we listen carefully, assess your financial or legal situation, and discuss your goals. We’ll answer your questions and explain your options clearly—no pressure, no jargon. Clear Communication – We believe in honest, timely communication. You’ll know exactly what’s happening with your case and always have access to our team for updates and guidance. Affordable, Personalized Plan – We tailor our legal strategy to your unique needs and budget. Whether you’re filing bankruptcy, negotiating debt, or facing foreclosure, we offer affordable flat fees and 0% interest payment plans so you can move forward without financial stress. Trust & Confidentiality – We treat your case with the respect it deserves. You can count on complete confidentiality and a judgment-free environment where you feel safe sharing details. Ongoing Support – You’re not just hiring an attorney—you’re gaining a support team. From start to finish, we’re here for you every step of the way, with digital tools and real human help to make things easier. We’re committed to delivering legal solutions that not only solve problems—but change lives.

What education and/or training do you have that relates to your work? At Van Horn Law Group, our education, certifications, and real-world experience uniquely position us to guide clients through even the most complex financial challenges. Legal Education: I earned my Juris Doctor from Nova Southeastern University’s Shepard Broad College of Law, where I built a strong foundation in bankruptcy and consumer protection law. I also hold a business degree from Robert Morris University, which enhances our strategic approach to financial and legal problem-solving. Board Certification: I am board-certified in consumer and business bankruptcy law by the American Board of Certification—a distinction held by only a small percentage of attorneys. This certification demonstrates my advanced expertise and deep focus in bankruptcy law. Experience You Can Trust: With over 14 years in practice, I’ve personally handled and filed over 5,000 bankruptcy cases and consulted with more than 10,000 individuals facing financial distress. This real-world experience means we’ve seen it all—and know how to help. Ongoing Learning & Leadership: I stay current with legal trends, speak publicly on financial empowerment, and train law students and attorneys through mentorship and pro bono programs. We don’t just practice the law—we help shape it. When you work with us, you’re not just getting a law degree—you’re getting the benefit of thousands of cases’ worth of insight, judgment, and real results.

My journey into bankruptcy and debt relief law began during one of the toughest times in recent history—the Great Recession. I had just graduated from Nova Southeastern Law School, and while most new lawyers were struggling to find work, I saw a different opportunity: people everywhere were losing homes, drowning in debt, and desperately needed help navigating a broken financial system. Before graduation, I worked for an attorney while in school, gaining hands-on experience that helped connect the theory of law with the real-world impact it can have. But it was the recession that truly defined my path. I saw how the right legal guidance could offer someone more than just a fresh start—it could change their life. That realization lit a fire in me. I committed myself to helping as many people as possible find relief and regain control of their future. What started as a response to a crisis has become my life’s work. I’ve now helped over 10,000 clients, and every case still reminds me why I got started in the first place: to make a real difference when it matters most.

In my career as a bankruptcy attorney, I’ve had the privilege of representing a truly diverse group of clients—from celebrities who’ve earned tens of millions of dollars to individuals experiencing homelessness. No matter their background or financial status, my mission is the same: to offer real solutions and a path forward. Here’s a snapshot of the clients I’ve served: Everyday Individuals Facing Financial Crisis: From job loss and medical bills to overwhelming credit card or student loan debt, I’ve helped thousands of people navigate financial hardship and reclaim control of their lives. Middle-Income Families: Many of my clients are hardworking families suddenly hit by unexpected events—like a layoff or foreclosure. I help them understand their rights and create a plan to protect their homes, wages, and future. Small Business Owners & Entrepreneurs: I’ve worked with local business owners dealing with cash flow problems, vendor issues, or failed ventures. We’ve used Chapter 7, Chapter 11, and Subchapter V to restructure or responsibly close their businesses while minimizing fallout. High-Net-Worth Individuals & Public Figures: I also represent clients with complex portfolios, multiple properties, and large income streams—including athletes, entertainers, and entrepreneurs. These cases require nuanced planning and discretion, and I take pride in delivering both. Clients From All Walks of Life: I’ve worked with immigrants, veterans, retirees, and single parents. No matter the story, I meet every client with compassion, respect, and the highest standard of care. Whether someone is looking to protect a luxury home or just keep the lights on, I’m here to help them make the best legal decision possible—and start fresh.

One case I’ll never forget involved a single mother of three who was just days away from losing her home to foreclosure. She came to us overwhelmed, confused, and thinking it was too late to save anything. The sale was already scheduled. The lender had refused to negotiate. She had nowhere else to turn. What followed was a high-stakes, fast-moving effort that required every bit of experience, strategy, and persistence I’ve developed over the years. Within 48 hours, we filed an emergency bankruptcy petition to cancel the foreclosure sale. That gave her immediate breathing room—and a second chance. Over the next two months, we negotiated with her lender, gathered financial records, and built a strong case for more sustainable loan terms. It wasn’t easy. The lender initially pushed back. But through persistent communication and strategic legal pressure, we were able to restructure the debt and stop the foreclosure for good. Today, she’s still in her home, her kids are in the same school, and she’s building back with dignity. That’s the kind of work that reminds me why I do this. It’s not just about legal wins—it’s about protecting families, restoring hope, and delivering outcomes that truly change lives.

Bankruptcy is a major decision—and the attorney you hire can shape how quickly and smoothly your case moves forward. Here’s my advice to help you choose the right one: Ask When They’ll Actually File Your Case: This is one of the most important (but often overlooked) questions. Many firms won’t file your case until you’ve paid the entire attorney fee up front, which can delay your protection from creditors by weeks or even months. At Van Horn Law Group, we file your case as soon as you’ve paid the basic court filing fees and costs—then let you pay the rest on a flexible, 0% interest plan. That means you get help faster. Look for Real Experience: Bankruptcy law isn’t something to dabble in. Choose someone who’s handled hundreds or thousands of cases and is board-certified in consumer bankruptcy law. Certification shows they’re tested and trusted in the field. Read the Reviews—Thoroughly: Go beyond the star rating. Look for comments about how the lawyer communicates, whether they’re responsive, and how they treat clients. Trust Your Gut: If you don’t feel heard or respected during the consultation, keep looking. You should feel confident, not intimidated. Be Clear on Fees and Communication: Ask for a flat-fee quote, make sure payment plans are available, and confirm you’ll get regular updates. A good attorney keeps you informed and never leaves you guessing. Ask Around: A personal recommendation from someone you trust can speak louder than any ad. The bottom line: you deserve an experienced, compassionate lawyer who will act quickly, communicate clearly, and put your needs first—especially when time and financial peace are on the line.

Before meeting with a bankruptcy attorney, it helps to reflect on your situation and know what you want out of the process. The more prepared you are, the more valuable your consultation will be. Here are some key questions to think through: What’s my goal? Am I trying to stop a foreclosure, eliminate credit card debt, restructure a business, or just get creditors off my back? Knowing your goal helps your attorney recommend the best strategy—whether that’s Chapter 7, Chapter 13, or another solution entirely. What debts and assets do I have? Make a list of your major debts (mortgage, car loans, credit cards, taxes) and your assets (home, vehicles, savings, retirement accounts). This will give your attorney a head start in determining what protections and options you qualify for. How quickly do I need relief? Timing matters. Are wages being garnished? Is a foreclosure sale scheduled? Some firms, like ours, can file your case right after basic filing fees are paid—others may require full upfront payment, delaying relief by weeks or months. What am I willing to invest financially? While bankruptcy is meant to be affordable, it's still an investment in your future. Ask yourself what you can reasonably commit to—and be ready to ask about flat fees, court costs, and payment plan options. Am I open and ready to share the full picture? Being honest and thorough helps your attorney help you. Every detail matters—from debts in collections to assets in someone else’s name. If you’re ready to be transparent, your attorney can protect you more effectively. Once you're thinking clearly about your own situation, you’ll be in a much better position to ask the right questions when hiring an attorney, like how many similar cases they’ve handled, what the full cost will be, and how quickly they can act.