Bankruptcy Attorney in Miami Florida

We Can Rebuild Your Finances With The Protection of Bankruptcy Laws

Don’t lose sleep over your debt. At Marrero, Chamizo, Marcer Law, LP, our Bankruptcy Attorneys have solutions to help you get back on track with your finances. With over 30 years of experience, we have answers to successfully help you resolve your debts to avoid foreclosure, wage garnishment, levys, or stop lawsuits filed against you. We are proudly A+ Accredited by the Better Business Bureau, serving clients in the area of Coral Gables and Miami-Dade, Florida throughout. Our trusted Bankruptcy Attorneys have received Commendation from the City of Miami for successfully helping thousands of clients to restore their finances.

With the experience of our Bankruptcy Attorneys, you too can be sure to properly take advantage of your rights under bankruptcy protection and resolve your debt. We can help you put an end to creditor harassment, including those harassing telephone calls from your debt collectors. If you have considered seeking bankruptcy relief or have questions, our attorneys would like to meet with you in person to carefully evaluate your siutation. To learn more about our services and how we can help you, schedule a consultation now.

We Will Carefully Evaluate Your Situation & Help You With The Bankruptcy Solution That’s Right For You.

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We Can Restore Your Financial Future

Countless hard-working people struggle with debt management every day. They find themselves in serious financial predicaments for a number of different reasons. Mounting debt can happen to anyone including Nurses, Doctors, Small Business Owners, Construction Workers, Secretaries, Managers, and more. If you are over-whelmed with debt, our Attorneys for debt relief can help you find a solution to help you gain the financial fresh start you so greatly deserve. Understanding your options for debt relief is a crucial step in making sure that all your goals are accomplished to successfully take back control of your finances.

Serious debt problems such as excessive credit card debt, outstanding medical bills, foreclosure, lawsuits, repossession, and garnishment, can easily be addressed in a Southern District of Florida Bankruptcy court process. Through a chapter 7 bankruptcy  you can easily discharge all of your debts or get current with your debt through a feasible chapter 13 repayment plan. The best way to learn more about the Miami bankruptcy process or what bankruptcy chapter is right for you is to consult an experienced Bankruptcy Attorney Miami residents trust most.

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How to file Bankruptcy in Florida?

Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy is the most effective way to put an end to creditor harassment. Whether you are unable to make the minimum monthly payments on your credit cards, are facing repossession of one or more of your cars, or have fallen behind on your mortgage, filing for bankruptcy in Florida is the best way to stop creditor harassment. Filing for Bankruptcy immediately initiates an automatic stay that requires collection agencies and creditors to cease all collection and foreclosure actions against you. Our experienced bankruptcy Attorneys will help educate you on what else to expect from your bankruptcy filing and will be sure to answer all your questions to address all of your Bankruptcy concerns.

At Marrero, Chamizo, Marcer Law, LP, you can rest assured knowing that your Federal Court Bankruptcy case will be handled with the utmost care and attention it rightfully deserves. That’s why we only employ the very Best Bankruptcy Attorney Miami Lawyers and Paralegals who are familiar with the bankruptcy court process and are sure to remain up to date with the latest Florida Bankruptcy Laws to protect your assets. That’s because although Bankruptcy may be the fastest way to eliminate debt, it is also subject to many rules and exceptions which can either harm or benefit your ability to protect your money and other valuable assets in the process. Being familiar with Florida Bankruptcy exemptions is critical for you to walk away successfully from your Bankruptcy. Our Attorneys will be sure to accurately complete the Chapter 13 means test and apply the Florida Homestead exemption if it applies to your case as well as any other exception that may apply. As one of the best law firms in Miami, we know that only the best Bankruptcy lawyers prepare for the worst to make sure they always come out strong with the best results!

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Knowing What To Expect In The Bankruptcy Process

In Miami-Dade, the United States Southern District of Florida bankruptcy courts appoint a United States Bankruptcy Court Trustee to every Bankruptcy case filing. They are heavily familiar with the bankruptcy Court laws. Their role as Bankruptcy Trustee is to oversee your bankruptcy case and report to the assigned bankruptcy Judge during your bankruptcy proceedings. Bankruptcy Judge’s heavily rely on the role of the bankruptcy trustee, which is why receiving your Bankruptcy discharge can mainly rest in the hands of the Trustee. Since Chapter 7 and Chapter 13 are two different types of bankruptcy relief, the role of a Trustee is not the same for each proceeding.

A Chapter 7 Trustee must confirm your eligibility to seek Chapter 7 Bankruptcy relief and to verify the accuracy of all documents you produce to the court. More importantly, they must thoroughly examine your financial affairs to assure that none of your assets can be used to repay your creditors. Typically, you will only be permitted to keep assets which are exempt per Chapter 7 Bankruptcy statute. People who file for Chapter 7 bankruptcy in Miami typically seek a financial fresh start by eliminating debt such as credit card debt or medical bills. In a Chapter 7 bankruptcy proceeding people have more to lose is these proceedings as a result of the trustee’s role in Chapter 7 cases. That’s why it is so crucial to have an experienced Bankruptcy Attorney Miami Lawyer at your side to help you protect your interest. Being unfamiliar with the consequences of failing to secure proper legal representation in a Chapter 7 Bankruptcy case to be properly protected by an experienced bankruptcy Lawyer or failing to properly follow the process, can lead you to suffer greater loss or face consequences that’s will waste your already limited resources. Some of the biggest losses when not properly protected in these proceedings are: real estate property, motor vehicles, savings, and other personal belongings of value.

Whether you have been affected by reduced income, no income at all, or unexpected expenses such as medical debt, these common life events can easily cause financial hardship. At Marrero, Chamizo, Marcer Law, LP our Bankruptcy Attorneys in Miami work hard to provide our clients with the legal representation they need to protect their interests. We take the time to discuss your legal options and help you carefully make an informed decision that’s right for your specific situation. Our goal is to help you overcome this difficult and stressful time, by efficiently helping you gain financial stability once again.

We will help you succeed with your bankruptcy process and help you obtain a fresh new financial start.

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Benefits of Declaring Bankruptcy in Florida

Bankruptcy can help resolve debt problems associated with personal or corporate finances. Once you file a bankruptcy petition through an experienced Bankruptcy Attorney Miami Lawyer, it generally provides additional time to solve financial issues. It immediately stops those harassing phone calls from creditors and other collection attempts.

Bankruptcy Can Discharge or Eliminate Most Debts, including:

  • IRS Debt
  • Medical Bills
  • Credit Cards
  • Subordinate Mortgage Loans
  • Judgments

Bankruptcy Can Prevent The Following:

  • Debt Collection Harassment
  • Utility Service Termination
  • Foreclosure
  • Repossession
  • Wage Garnishment
  • Driver’s License Suspension
  • Passport revoked

The Types of Bankruptcy Claims

Miami Bankruptcy Courts in Florida primarily handle six separate types of bankruptcy cases. The average person usually must claim one of the most common types of bankruptcy: Chapter 7, 11, or 13. These types of bankruptcy claims are among the most commonly seen in a bankruptcy Court Miami process for declaring bankruptcy in Florida. Different bankruptcy types involve a variety of processes and purposes, depending on their details. At Marrero, Chamizo, Marcer Law, LP our Bankruptcy Lawyer Miami Attorneys will help you understand different bankruptcy types and work to determine which one is most applicable to your situation.

Chapter 7

chapter 7 bankruptcy case primarily involves the liquidation of debt.

Depending on your assets and what Bankruptcy Law protections in the State of Florida may be applicable to your case, you may either discharge all your debts at once or some of your creditors may be paid as your property and assets are sold through an appointed United States Bankruptcy Court Trustee.

Chapter 7 can help settle debts on both a personal and corporate financial level. When you file chapter 7 bankruptcy, you are protected from any further obligation on all discharged debts.

Chapter 11

chapter 11 bankruptcy claim is a corporate level approach to protecting a business.

Under the claim a company’s debts and finances are restructured and reorganized in order to create a new business approach.

You are able to use this new approach to handle company solvency and creditor debts alike. The United States Bankruptcy Court for the Southern District of Florida may however, appoint a United States Trustee to restructure the business and help with the process.

Chapter 13

Chapter 13 Bankruptcy Florida claim allows for debts to be repaid over a court-approved bankruptcy plan over a determined period of time up to five years. The debt is not discharged until the Bankruptcy Court Miami-approved Bankruptcy plan is paid in full. In the State of Florida, there are certain laws that pertain to asset protection that apply to a debtor. Many Floridians benefit from these bankruptcy protections by maintaining their rights to certain property. While you are expected to pay off most of any debts within three to five years, you may end up not having to pay some of your creditors depending on their actions and the timing of their claims. In such cases, any such debts may be forever discharged upon completion of your Chapter 13 Bankruptcy Florida claim.

Our Bankruptcy Attorneys Know It’s Never Too Late To Get Back On Track With Your Financial Path.

We understand that declaring Bankruptcy in Fl for Debt Relief is not always an easy decision. The issues and complexity surrounding the matter may not help with this important decision. Our Attorneys understand how important it is to attain peace of mind after suffering from financial duress. Not only for you, but in most cases for both you and your loved ones. That’s why your case could use the experienced legal guidance of our dedicated Lawyers and staff. We can help you face your issues with budgeting, negotiations, foreclosures, bills, and debts.

You should never declare bankruptcy without the experienced legal help of a professional who understands bankruptcy laws and how to protect your interests.You must be certain to understand the different types of claims to determine your eligibility and the respective process. Our Bankruptcy Attorneys are knowledgable with Federal rules and Bankruptcy Laws to ensure that you avoid any irreversible mistakes in your bankruptcy process.

With an experienced bankruptcy lawyer, you can be sure to gain the most from your Bankruptcy filing and get back to what matters most. We aim to help you work towards financial security and independence to help you enjoy life’s riches again.

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