Jacksonville Bankruptcy Attorney • FL Bar #158070
6,354+ cases filed • 27+ years of experience • 10,000+ satisfied clients
Martindale-Hubbell BV Distinguished • Avvo 10.0 Rating
(904) 396-5557 — Free Consultation
About Melanie Sacks
I’ve dedicated my entire legal career to one thing: helping Jacksonville families eliminate crushing debt and rebuild their financial lives. Since being admitted to the Florida Bar in 1998, I’ve personally guided more than 6,354 clients through Chapter 7, Chapter 13, and Chapter 11 bankruptcy proceedings in the Middle District of Florida.
I know that by the time someone calls a bankruptcy attorney, they’ve usually been losing sleep for months. Creditors are calling. Wages are being garnished. The stress affects everything — your health, your marriage, your ability to focus at work. I’ve seen it thousands of times, and I want you to know something: filing bankruptcy is not the end of your financial life. It’s the beginning of a new chapter.
At Sacks & Sacks, my husband Adam handles the family law side of our practice while I focus exclusively on bankruptcy. That’s all I do. This singular focus means I know the Middle District of Florida bankruptcy court inside and out — the trustees, the procedures, the exemptions, the timelines. When you work with me, you’re getting someone who has done this over 6,000 times.
Education & Credentials
I earned my undergraduate degree from the University of Florida in 1992 and my Juris Doctor from Thomas M. Cooley Law School in Lansing, Michigan in 1998. I passed the Florida Bar on my first attempt and immediately began practicing law in Florida.
Bar Admissions
- Florida Bar — admitted 1998, active and in good standing (Bar #158070)
- U.S. District Court, Middle District of Florida
Practice Areas
My practice focuses on consumer and business bankruptcy under all three major chapters of the U.S. Bankruptcy Code:
- Chapter 7 Bankruptcy — Liquidation and fresh start. Most unsecured debt is eliminated in 3–6 months. Florida’s unlimited homestead exemption means most filers keep their home.
- Chapter 13 Bankruptcy — Wage earner reorganization. Restructure debts over 3–5 years while keeping all your assets. Stops foreclosure and catches up on mortgage arrears.
- Chapter 11 Bankruptcy — Business reorganization. Allows companies to continue operating while restructuring debt obligations.
- Debt Consolidation & Negotiation — When bankruptcy isn’t the right fit, I help negotiate directly with creditors to reduce and restructure what you owe.
- Credit Score Recovery — Every client gets my proprietary 7 Steps to a 720 Credit Score program at no extra cost.
What Sets Me Apart
The 7 Steps to a 720 Credit Score Program
Getting out of debt is only half the journey. Every bankruptcy client at Sacks & Sacks receives complimentary enrollment in my proprietary credit recovery program. This isn’t a generic handout — it’s a structured, step-by-step roadmap I developed after seeing thousands of clients struggle with the “what now?” after discharge. Many clients see meaningful credit score improvement within months of their case closing.
$0 Down Filing
I understand that when you need a bankruptcy attorney, you’re already in financial distress. That’s why I offer $0-down bankruptcy filing for qualifying cases. You shouldn’t have to go deeper into debt to get out of debt.
Virtual-First Service
You can work with me entirely from home — no office visits or court appearances required in most cases. From the initial consultation to filing your petition, I handle everything remotely. This approach reduces stress and makes the process as convenient as possible during an already difficult time.
Professional Memberships
- The Florida Bar — active member since 1998
- American Bankruptcy Institute (ABI)
- National Association of Consumer Bankruptcy Attorneys (NACBA)
- Jacksonville Bankruptcy Bar Association
- Jacksonville Bar Association
Awards & Recognition
- Martindale-Hubbell “BV Distinguished” Rating — recognizing exceptional legal ability and high ethical standards
- Avvo 10.0 “Superb” Rating — the highest possible score, based on 44 client reviews
- Three Best Rated® — named one of the Top 3 Bankruptcy Lawyers in Jacksonville, FL (selected through a 50-point inspection covering reputation, history, complaints, ratings, satisfaction, trust, cost, and general excellence)
- 4.7-Star Rating — across 187+ verified client reviews on Birdeye
About Our Firm
The Law Offices of Sacks & Sacks, P.A. is a family-run boutique law firm Adam and I founded in Jacksonville in 2007. With over 50 years of combined legal experience, we offer the depth of knowledge you’d expect from a large firm with the personal attention that only a small, family-operated practice can provide.
Adam handles all family law matters — divorce, child custody, child support, adoption, and alimony. I handle all bankruptcy matters. This division lets each of us do what we do best, and our clients benefit from that focus.
We’re located at 1646 Emerson St., Suite B, Jacksonville, FL 32207, but most of our bankruptcy clients work with us entirely remotely.
Schedule Your Free Consultation
If you’re struggling with debt, I want you to know that there is a way out — and the law says you’re entitled to a fresh start. I’ve helped over 6,000 Jacksonville families get through this, and I can help you too.
Call (904) 396-5557 for a free bankruptcy consultation. No judgment, no pressure — just honest answers from someone who has done this over 6,000 times.
