Holly Kathleen Melzer, Bankruptcy Attorney in Panama City, Florida

Holly concentrates on bankruptcy, business, civil rights, litigation, and real estate. Each area below outlines the kind of case Holly handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Civil Rights

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• Litigation

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• Real Estate

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• Zoning

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• Creditor Rights

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Holly's primary office is at 220 McKenzie Avenue, Panama City, FL, 32401-3129. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Holly usually go, from the moment you request a consult to the day representation begins.

Holly discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Holly for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Holly walks through the likely range during the consult so there are no surprises.

• Does Holly offer a free consultation?

  Holly charges for the initial consult; that fee is credited toward representation if you retain Holly's office. Some bankruptcy attorneys offer free consults — check Holly's current terms during booking.

• How long do bankruptcy cases in Florida typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Holly gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Holly take my case if I'm outside Panama City?

  Holly is licensed in Florida. Matters governed by Florida law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Holly will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Holly?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Holly will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Holly accepting new bankruptcy clients right now?

  Holly's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.