We are a local Miami law firm focused on providing affordable solutions to our clients. We offer CONSULTATIONS on
all matters and have the experience and knowledge to advise you on
all aspects of your bankruptcy case. Please call anytime to
speak with a bankruptcy lawyer to see how we can help
you. We can often quote you a fee immediately when you
call after just a few simple questions. We
have successfully represented clients in Chapter 7 &
Chapter 13 Bankruptcy Proceedings.
MOST PEOPLE STILL QUALIFY FOR BANKRUPTCY! Many people
believe that the recent changes in the law have eliminated
the ability to file Bankruptcy, when the fact of
the matter is that most people still qualify.
CHAPTER 7 BANKRUPTCY is
an affordable solution to people with limited income or
resources. It can eliminate your obligation
for large amounts
of debt and, in many cases, you will not have to give
up any of your property to file. This exempt property will
furniture, clothing and other basic items, investments in
pension plans, an automobile and even equity in your
home. Chapter 7 Bankruptcy is designed to
give people a fresh start when they
are struggling to keep current on bills and is
a means to put an immediate end to harrassing phone
calls, legal action and garnishment by creditors.
We welcome the opportunity to discuss your specific situation and
determine if a Chapter 7 Bankruptcy is
right for you.
CHAPTER 13 BANKRUPTCY allows
people who have significant income or assets to restructure their
debt in a way that will allow them to pay back some or all of
their liabilities in monthly installments over a set period of time. A
Chapter 13 Bankruptcy Plan can be worked out that will provide you with fixed payments for three or five years with no more interest or penalties.
This can be used to either eliminate some of your debt or
to allow you to catch up when you are late on mortgage payments or
other secured loans. Chapter 13 is also an option for people who
wish to pay back all of their debt, but who need a structured payment plan to do so.
LOSS MITIGATION is a new bankruptcy procedure in the
Southern District of Florida that can assist homeowners who
are struggling with one or more mortgages on their home. The
procedure basically requires lenders to negotiate with individuals who
have filed a Chapter 13 bankruptcy proceeding and attempt to
reach an agreement that will prevent a foreclosure on the
home. In situations where a foreclosure is inevitable, loss
mitigation can also reduce the cost and difficulty in surrendering a
property and thereby reduce or eliminate any deficiency owed to the
lender. We have experience with these new Loss Mitigation procedures
and would be more than willing to explain how this process can
potentially help you.