Bankruptcy Attorney in Miami-Dade County, FL
Quick Summary
The Challenge: Overwhelming debt and the threat of creditor actions, including wage garnishment or foreclosure, in Miami-Dade County, FL.
Chapter 7 (Liquidation): Provides the quickest path to relief (4–6 months) by discharging most unsecured debts (like credit cards and medical bills), with Florida exemptions helping clients retain essential property.
Chapter 13 (Repayment Plan): Designed for individuals with steady income, it offers a structured 3–5 year repayment plan, which is ideal for clients who need to protect valuable property (like a home or car) and catch up on missed payments.
The Process: Filing immediately triggers the automatic stay, a critical protection that instantly halts most collection actions, including foreclosures, lawsuits, and wage garnishments.
Bottom Line: Stiberman Law offers over a decade of experience and bilingual support (English and Spanish) to Miami-Dade County residents, simplifying the bankruptcy process (Chapter 7, 13, or 11) to help them eliminate debt, protect assets, and achieve a financial fresh start.
Guiding residents toward lasting debt relief.
Written By: Attorney Robert Stiberman | Updated 10/10/2025
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, our mission is to give Miami-Dade County residents the legal support and knowledge they need to take control of their finances. For over a decade, we’ve helped individuals and families across Florida protect their homes, stop creditor harassment, and rebuild financial stability through bankruptcy solutions tailored to their goals.
Understanding the Bankruptcy Process
Bankruptcy cases in Miami-Dade County are handled by the U.S. Bankruptcy Court for the Southern District of Florida. Although the law is federal, every district has its own procedures and documentation requirements. Our firm ensures your case is handled properly from start to finish.
We make the process straightforward by managing every detail:
- Free Consultation: We review your financial situation to determine if bankruptcy is right for you.
- Choosing a Chapter: We help you select the appropriate option—Chapter 7, Chapter 13, or Chapter 11—based on your income and debt.
- Filing the Case: Our office handles all necessary forms and electronic submissions.
- Automatic Stay: Once filed, creditors must stop calling, suing, or garnishing wages.
- Trustee Meeting: You attend a short hearing with one of our attorneys by your side.
- Resolution: Your debts are either discharged or restructured through a repayment plan.
Why Clients Choose Stiberman Law
Filing for bankruptcy is more than a legal step—it’s a path to recovery. Our clients appreciate our transparency, communication, and commitment to helping them keep their property and move forward confidently.
We handle every filing and court deadline, provide bilingual assistance in English and Spanish, and explain each stage of the process clearly so you always know what to expect.
Case Study: A Client’s Journey to Financial Stability
One client came to us with overwhelming credit card and medical debt that had become unmanageable. After assessing their finances, we filed a Chapter 13 case that allowed them to consolidate payments and avoid foreclosure. Today, they’re debt-free and financially stable again.
STEP 1
Free Consultation
We begin with a free consultation to review your debts, assets, and financial situation. This helps determine whether bankruptcy is the right solution for you.
STEP 2
Depending on your circumstances, you may qualify for Chapter 7 (debt discharge through liquidation), Chapter 13 (structured repayment plan), or Chapter 11 (reorganization, often used by businesses or individuals with significant debt). We’ll explain the differences and recommend the best option for your needs.
STEP 3
Our team helps you gather financial documents and prepares all the required forms. We file your case electronically with the U.S. Bankruptcy Court for the Middle District of Florida, Tampa Division, which covers Winter Haven.
STEP 4
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.
STEP 5
You’ll attend a brief meeting with a court-appointed trustee. An attorney from Stiberman Law will be by your side to make sure you’re prepared and supported.
STEP 6
If you file Chapter 7, eligible debts are discharged in as little as four to six months. If you file Chapter 13, you’ll enter into a three- to five-year repayment plan before remaining eligible debts are wiped out. If you file Chapter 11 as a business, you’ll propose a reorganization plan that restructures obligations while allowing you to remain operational.
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Contact Stiberman Law Today!
Speaking to our law firm is always 100% confidental. Help is just a call away!
At Stiberman Law, Our Goal Is To Help You Complete The Process Smoothly, Protect Your Property When Possible, And Achieve The Financial Relief You Need For A Fresh Start.
Types of Bankruptcy Explained
Chapter 7 Bankruptcy provides a fresh start by eliminating unsecured debts like credit cards, personal loans, and medical bills. Many people can retain their home, car, and personal belongings thanks to Florida’s exemption laws.
Chapter 13 Bankruptcy allows individuals with regular income to repay part of their debt through a court-approved plan over three to five years while protecting their property.
Chapter 11 Bankruptcy is typically used by business owners or individuals with significant debt, allowing for financial restructuring without liquidating assets.
Bankruptcy and Debt Relief Options We Offer
Stiberman Law provides comprehensive bankruptcy and financial relief services throughout Miami-Dade County, including:
Chapter 7
Chapter 7 bankruptcy for fast elimination of unsecured debt
Chapter 13
Chapter 13 bankruptcy for structured repayment while keeping assets
Chapter 11
Chapter 11 bankruptcy for individuals or businesses needing reorganization
Foreclosure
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Everyone at the office was very nice and very professional. Most of the communication was handled via telephone with some email. They had a very easy online method for uploading all necessary documents throughout the process. Mr. Stiberman made sure he had a personal conversation to explain things at least 2 or 3 times before the creditor meeting. All in all, I am very happy with their service, communication, and professionalism. I would highly recommend.
Mayra Richards
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Miami-Dade County
What types of debt can be erased through bankruptcy?
How quickly does bankruptcy stop creditor actions?
How long does the bankruptcy process take?
Will I lose my home or car if I file for bankruptcy?
Why should I hire Stiberman Law for bankruptcy help?
Take the First Step Toward Financial Relief in Miami-Dade County
If debt feels like it’s controlling your life, you don’t have to face it alone. Stiberman Law is here to help you understand your options and start fresh.
Contact Stiberman Law today or fill out our online form to schedule a free consultation. Together, we’ll build a path toward financial stability and peace of mind.