When financial problems are beyond your control, you need a place to turn for help. You need an advocate who puts you on the right path, not one who judges you. At the law office of Jay W. Moreland, P.A., we feel that you have been through enough stress. Our job is to secure that long-awaited fresh start. Making Florida residents' future clearer and more secure is what we do. Founder Jay W. Moreland established our firm in 1982 and prides himself on being a small country attorney with dedication to his clients and high standards of ethics. We understand that money problems can plague those who strive to be financially responsible and have high credit ratings. Yet, circumstances beyond your control can bring immediate instability. A layoff, accident, illness or divorce can result in the need for Chapter 7 or Chapter 13 bankruptcy protection.