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Welcome to the Law Office of Karin A. Garvin, Esq. providing quality representation to individuals in Chapter 7 Straight Bankruptcy and Chapter 13 Debt Reorganization in the Northern District of Florida. Our office located in Downtown Pensacola will give you the dignified personal service you deserve.

Bankruptcy.  If you are falling behind in paying off debts and it appears that you will not be able to make payments as they come due, it is better to take action rather than let your financial situation deteriorate. For many people, the answer to financial problems is to declare bankruptcy, a legal proceeding in federal court that allows a person to be released from the obligation of paying some or all of his or her debts.

Free Consultation. The decision to file Bankruptcy is not an easy one. If you have questions or wish to discuss your options call (850) 437-5577 to schedule an appointment at no charge or obligation. We will discuss what your creditors can do if you decide not to file a bankruptcy case as well as what they can't do if you file bankruptcy.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."


Call Us Today At ♦ (850) 437-5577


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  • Karin A. Garvin, Esq.
    (850) 437-5577
    1801 W. Garden Street
    Pensacola, FL 32502
    Email Karin A. Garvin, Esq. at:
    Email Rhonda W. Richter
    , FRP, CBA at:
    Email  Reneé D. Waid, FRP, CBA at:

    In Business Since 1997

    Driving Directions

    Located on the Corner of West Garden Street & K Street in
    Downtown Pensacola, Florida.