Law Office of Jonathan Tolentino, P.A. — Naples, Florida

End the Debt Spiral. Keep What Matters Most.

Serving Naples and South Florida — we stop creditor harassment, wage garnishments, and bank levies, and help you rebuild on your own terms. You are never just a number here.

Free Consultations No cost to understand your options
Available 24/7 Reach a real lawyer anytime
FL Bar Pro Bono Award Recognized for accessible justice
Get Your Free Consultation Call (239) 793-7788
Attorney Jonathan Tolentino

Jonathan Tolentino

Attorney at Law · Naples, Florida

Florida Bar Pro Bono Award
Why Clients Choose Us

Legal Help You Can Count On

Free Consultations

Your first meeting — by phone or in person — costs nothing. Understand your options fully before making any decision.

24/7 Hotline Available

Legal crises don't keep business hours. Reach a real person at (239) 280-7117 any time, day or night.

You Are Never a Number

Personalized attention is our standard, not a selling point. Every client works directly with our team — never passed off to staff.

Easy Payment Plans

Flexible payment options ensure that cost is never the reason you go without proper legal representation.

Florida Bar Pro Bono Recognition

Honored with the Florida Bar President's Pro Bono Award — a reflection of genuine commitment to accessible justice.

Practical, Tailored Solutions

No cookie-cutter advice. We develop legal strategies specifically designed around your assets, debts, and goals.

Practice Areas

Legal Services Built Around You

From financial crisis to injury recovery, our focused practice delivers results where it matters most.

Most Popular

Chapter 7 Bankruptcy

The fastest route to a full discharge of unsecured debts — credit cards, medical bills, and most loans — allowing you to emerge debt-free and rebuild.

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Chapter 13 Bankruptcy

Restructure your debt into a manageable plan that lets you catch up on a mortgage, stop foreclosure, and protect assets you'd otherwise lose.

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Creditor Harassment Defense

We enforce your legal rights against aggressive collectors — stopping calls, letters, garnishments, and bank levies from the moment we act.

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IRS Debt & Tax Lien Relief

Certain federal tax obligations can be addressed or discharged through bankruptcy. We evaluate your situation and chart the most effective strategy.

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Real Estate Law

From purchase transactions and title issues to disputes and foreclosure defense, we protect your real estate interests with experienced Naples counsel.

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Personal Injury Law

When you've been hurt through someone else's negligence, we fight to recover the compensation you deserve — so you can focus on healing.

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Immediate Relief

We Can Help You Stop the Spiral

Financial distress affects every part of your life. Our team works quickly to deploy every legal tool available and provide the relief you need — often on the same day your case is filed.

Stop creditor harassment & collection calls
Halt wage garnishments & bank levies
Save your home from foreclosure
Discharge credit cards, medical bills, & unsecured loans
Address IRS debt & federal tax liens
Protect your car, home, & personal possessions
Rebuild your credit with a legitimate path forward
24/7 Hotline: (239) 280-7117

Immediate Creditor Relief

Federal automatic stay halts all creditor contact the moment your case is filed.

Protect Your Home

Bankruptcy exemptions often let you keep your home, car, and personal property.

Stop Garnishments

Wage garnishments and bank levies are halted on day one — money stays in your pocket.

Credit Recovery

A discharge often improves credit scores faster than carrying crushing debt loads indefinitely.

IRS Debt Addressed

Some income tax debts meeting specific criteria can be discharged through bankruptcy proceedings.

Free Phone Consult

Talk to a real attorney before making any decision — no cost, no obligation, no pressure.

Attorney Jonathan Tolentino, Naples Bankruptcy Lawyer

Florida Bar Award

President's Pro Bono Award

About the Firm

Built on a Single Conviction: You Come First

The Law Office of Jonathan Tolentino, P.A. was built on a single conviction: that people facing financial or legal crisis deserve real attention, not a case number. Located in Naples, Florida, our practice focuses on Bankruptcy (Chapters 7 & 13), Real Estate, and Personal Injury Law — combining deep legal knowledge with the kind of personalized service that larger firms simply cannot offer.

Attorney Jonathan Tolentino and his team understand that no two situations are alike. We take the time to understand your specific circumstances and develop practical solutions tailored to your goals — whether that means discharging debt, saving your home, stopping a garnishment, or recovering damages after an injury. You will always be able to speak directly with a lawyer.

Our commitment to the community is more than a tagline. The firm has been recognized with the Florida Bar President's Pro Bono Award, reflecting a genuine dedication to accessible justice. From our office at 501 Goodlette Rd N in Naples, we serve clients across South Florida with the same standard of care: excellent representation, reasonable rates, and a 24/7 hotline so help is always a call away.

Schedule Free Consultation (239) 793-7788
How It Works

From First Call to Fresh Start

Five clear steps. No complexity. No surprises. We guide you through every one of them.

1

Free Consultation

Call our office or 24/7 hotline for a no-cost phone or in-person consultation. We listen to your situation without judgment and explain your options clearly.

2

Case Strategy

We evaluate your debts, assets, income, and goals to recommend the most effective legal path — Chapter 7, Chapter 13, or an alternative approach.

3

Filing & Immediate Protection

Once you decide to move forward, we prepare and file your petition. The automatic stay takes effect immediately, halting creditor actions from day one.

4

Guided Resolution

We manage every court requirement, creditor communication, and legal deadline on your behalf — keeping you informed and protected throughout the process.

5

Discharge & Fresh Start

When the court issues your discharge, your qualifying debts are legally eliminated. We help you understand what comes next and how to rebuild with confidence.

Common Questions

Frequently Asked Questions

Chapter 7 is a liquidation bankruptcy that discharges most unsecured debts quickly and is best for those without significant non-exempt assets. Chapter 13 creates a structured 3–5 year repayment plan, allowing you to catch up on mortgage arrears and keep assets while reorganizing what you owe. Attorney Tolentino will help you determine which chapter fits your situation.

Not necessarily. Bankruptcy exemptions often allow you to keep your home, vehicle, and personal property. In Chapter 13 especially, you can cure mortgage arrears and stop foreclosure. We analyze your assets carefully before filing to protect what matters most to you.

Yes. The moment your bankruptcy petition is filed, an automatic stay goes into effect. This federal order legally requires all creditors to stop collection calls, letters, lawsuits, garnishments, and bank levies — immediately.

It will impact your credit, but it is rarely permanent. For many clients, obtaining a discharge actually improves their score because the debt-to-income picture changes. Many people begin rebuilding credit successfully within a year or two of their discharge.

Most unsecured debts — including credit cards, medical bills, utility bills, personal loans, and certain older tax debts — can be discharged. Student loans, recent taxes, child support, and alimony are generally not dischargeable. We review your full debt profile to tell you exactly what qualifies.

In some cases, yes. Certain older income tax debts that meet specific criteria can be discharged in bankruptcy. Federal tax liens are more complex but can sometimes be addressed through the bankruptcy process. We assess your tax situation specifically during your consultation.

We offer easy, flexible payment plans to make representation accessible. We also offer a free initial consultation and free telephone consultation so you can understand your options at no cost. Call us to discuss a fee arrangement that works for your budget.

Call our main office at (239) 793-7788 or our 24/7 hotline at (239) 280-7117 to schedule your free consultation. You can also email jtolentinopa@gmail.com or visit us at 501 Goodlette Rd N, Naples, FL. We make it easy to take the first step.

Take the First Step

Your Fresh Start
Begins with One Call

Don't face financial or legal hardship alone. Attorney Jonathan Tolentino and his team are standing by — free consultations, flexible payment plans, and a 24/7 hotline so help is always available when you need it most.

24/7 Hotline: (239) 280-7117 Email Us

Main Office

(239) 793-7788

24/7 Hotline

(239) 280-7117

Email

jtolentinopa@gmail.com

Office Address

501 Goodlette Rd N
Naples, FL 34102

Get Directions to Our Office