Bankruptcy Attorney in Miami-Dade County, FL

Guiding residents toward lasting debt relief.

Written By: Attorney Robert Stiberman | Updated 1/15/2026

Why You Need a Bankruptcy Attorney in Miami-Dade County

Debt can quickly spiral out of control—especially when unexpected events or rising living costs make it hard to keep up. When bills, calls from creditors, or the risk of losing your home become too much, working with an experienced bankruptcy attorney can help you find your footing again.

At Stiberman Law, we don’t just file paperwork; we architect financial recoveries. Whether you are an entrepreneur in Wynwood seeking to restructure under Subchapter V or a family in Kendall fighting to save a home from foreclosure, we provide the sophisticated legal counsel needed to protect your assets.

Why Choose Stiberman Law for Your Miami Case?

In a county as diverse as Miami-Dade, your choice of legal representation matters. We offer “Big Law” technical expertise with the personal touch of a boutique firm.

• Southern District Mastery: With over 15 years of experience, Robert Ariel Stiberman has an intimate understanding of the Southern District of Florida’s local rules. We know the tendencies of the Judges at the C. Clyde Atkins U.S. Courthouse in Downtown Miami.

• Bilingual Advocacy: Miami is a global city. Our team is fully bilingual in English and Spanish, ensuring that our clients in Little Havana, West Miami, and Sweetwater are represented with clarity and cultural competence.

• Virtual-First Efficiency: We value your time. Our digital infrastructure allows you to manage your entire case—from the initial Strategy Session to the mandatory Zoom hearings—without fighting the traffic on the Palmetto or I-95.

• We Handle the Heavy Lifting: We obtain your comprehensive credit reports and public record data, ensuring the Automatic Stay is applied to all creditors immediately.

Strategic Relief Solutions for Miami-Dade

Before recommending a path, we perform a local Bankruptcy Means Test tailored to current Miami-Dade County median income standards.

1. Chapter 7 Bankruptcy: The South Florida Fresh Start

Ideal for those overwhelmed by credit card debt, medical bills, or personal loans. In roughly four months, we can help you wipe the slate clean while utilizing Florida Bankruptcy Exemptions to shield your home and retirement.

2. Chapter 13 Bankruptcy: Protecting Miami Real Estate

If you have fallen behind on mortgage payments in Pinecrest or Miami Lakes, Chapter 13 allows you to catch up on arrears through a 3-to-5-year plan while you stop wage garnishments.

3. Chapter 11 Subchapter V: Small Business Reorganization

For local business owners, Subchapter V is a powerful tool that can help struggling companies survive. It provides a streamlined, cost-effective way to restructure debt while allowing owners to retain control of their business. Unlike traditional Chapter 11, there is no creditors’ committee, and the process is significantly faster.

Navigating the Miami Division: Local Nuances

Mortgage Modification Mediation (MMM)

Miami-Dade is a leader in the court-supervised Loss Mitigation program. If you are struggling with your mortgage, we can use the Southern District’s formal mediation program to force your lender to the table, often resulting in lower interest rates or principal reductions. Robert Stiberman used to mediate foreclosure cases during the South Florida foreclosure crisis in 2008, so you will have a skilled advocate on your side.

Condo & HOA Arrears

In Miami-Dade, Condo Associations are notoriously aggressive. While bankruptcy can discharge your personal liability for past dues, the Association’s lien stays with the unit. To keep a condo in Brickell or South Beach, these arrears must be addressed through a repayment plan to prevent post-bankruptcy foreclosure.