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Melissa Cain

Melissa Cain

Restore Hope. Regain Control. Rise Up.
  • Bankruptcy
  • Alabama, California, Florida, Nevada
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Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Biography

For over 10 years I have worked with clients to help resolve their financial hardships and plan for a solid future. My clients range from 20-somethings trying to get on the right track, families looking to save their homes, individuals interested in protecting their assets, and businesses that are restructuring debt in order to stay competitive.

I would love to learn about you and how I can help you achieve your goals!

Education
UNLV William S. Boyd School of Law
J.D.
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Activities: Pro Bono Project.
UNLV William S. Boyd School of Law Logo
University of Nevada-Las Vegas
B.S. | Business Administration and Management
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Honors: Magna Cum Laude
Activities: Alpha Delta Pi Sorority, Ronald McDonald House, Golden Key Society.
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Professional Associations
The Florida Bar  # 1015664
Member
Current
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Alabama State Bar
Member
Current
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State Bar of California
Member
Current
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Nevada State Bar
Member
Current
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Jurisdictions Admitted to Practice
Alabama
Alabama State Bar Association
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California
State Bar of California
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Florida
The Florida Bar
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Nevada
State Bar of Nevada
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Fees
  • Free Consultation
    0 Down options available. Accept Debit cards.
Practice Area
    Bankruptcy
    Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
Languages
  • English: Spoken, Written
Legal Answers
Q. Chapter 7 in Florida, my Car is paid for, Kelly Blue Book says 14K ..but I need a Car! What should I do? thank you.
A: Hello - If your vehicle is reporting a private sale KBB value of $14,000, then there is likely going to be an exemption issue. Under these circumstances a Chapter 13 filing may make sense - allowing you to keep your vehicle and pay off the equity over a period of time. It is possible that a Chapter 7 Trustee will work out a payment plan with you, depending on your budget, age of car, etc. It is best to discuss your best and worst case scenario with a local bankruptcy attorney. You can also have them explain what a Chapter 13 filing would look like in your situation. I wish you the best of luck!
Q. If I am a co signer and my name is on a vehicle loan, can I file bankruptcy without filing on that loan?
A: Yes, however, even though you have to notify them in your bankruptcy pleading, you will decide if you are going to reaffirm that debt or not. Your co-signor will still be obligated to pay on the vehicle.
Q. Can I get a uncompleted Bankruptcy off my credit report?
A: Your bankruptcy will stay on your credit report, whether or not you completed your case. It is likely to stay on there for 7-10 years from the filing date. If you are looking to finance a large purchase in the future, you should develop a working relationship with a bank you like and trust. This will help you plan and override any objection from the case reporting.
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Websites & Blogs
Website
Rise UP Legal
Contact & Map
Cain & Cain, PL
822 A1A N, Suite #310, Ponte Vedra Beach, FL 32082
4651 Salisbury Rd
#400
Jacksonville, FL 32256
Telephone: (904) 877-1010
Cell: (904) 717-4488
Monday: 9 AM - 5 PM
Tuesday: 9 AM - 5 PM (Today)
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM
Saturday: Closed
Sunday: Closed