Written By: Attorney Robert Stiberman
Last Updated March 26, 2023
Bankruptcy Law Firm Serving Miami
At Stiberman Law, our experienced bankruptcy lawyers understand the stress and financial burden that debt can cause. We provide effective relief solutions to help you get your finances back in order. Whether you’re dealing with overwhelming credit card debt, medical bills, or other financial difficulties, our team can guide you through bankruptcy and help you achieve financial freedom. Trust us to handle your legal representation with skill and compassion.
Your Experienced Miami Bankruptcy Lawyer
Helping you achieve debt relief is our primary goal at Stiberman Law. Led by top-rated Miami bankruptcy attorney Robert Stiberman, Stiberman Law has been serving Miami Dade for the last 15 years.
Robert Stiberman is a University of Miami Law School Graduate and a UM Alumni. Robert is one of the top bankruptcy attorneys in South Florida, with a track record of success to prove it. Robert and the office team consistently receive positive reviews for their hard work.
Our Bankruptcy Attorneys In Miami Can Help You
At our bankruptcy law firm in Miami, our dedicated attorneys are here to assist you in your time of need. Whether you are facing overwhelming debt or struggling to make ends meet, our team is prepared to provide the guidance and support necessary to get you back on track. We will explore your options and present you with a personalized plan to help you achieve financial freedom.
What is it like working with bankruptcy attorney Robert Stiberman?
At Stiberman Law, we pride ourselves on providing exceptional service and representation to our clients throughout the bankruptcy process. Our experienced bankruptcy attorney, Robert Stiberman, focuses on bankruptcy law and regularly appears in the Miami Division of the Bankruptcy Court for the Southern District of Florida. This allows us to provide personalized attention to our client’s cases and ensures that we are well-versed in the Local Rules critical to achieving the best possible outcome for your case. When working with Robert Stiberman and our team, you can trust that you will receive the guidance, support, and expertise to navigate the bankruptcy process confidently.
Your case matters, and this is how we work:
- A free consultation with a Miami bankruptcy attorney to see how we can help and if bankruptcy is right for you.
- Affordable fees and flexible payment plans. We understand your financial issues; our costs and payment plans consider that.
- We always keep you informed and will answer your questions immediately.
- We file your case electronically, sometimes on the same day.
- You will receive your case number and post-filing instructions minutes after we file your case.
- We are ready to meet with you in two Miami offices (Kendall and Coral Gables) and our Broward and Palm Beach County locations.
- We are fluent in English and Spanish. Hablamos Español.
- Our team will work towards your best possible outcome. Your legal issue is our top priority.
What to look for in a Miami bankruptcy attorney?
Are you struggling with overwhelming debt and seeking the assistance of a bankruptcy attorney in Miami? It’s essential to choose a lawyer with experience in bankruptcy law who understands your unique situation and can provide effective legal solutions. Stiberman Law’s skilled bankruptcy attorneys are committed to helping you find the best path to financial stability. Please reach out to us today for a consultation to discuss your options.
Consider the following seven factors when looking for a bankruptcy attorney in Miami:
Level of Experience
Experience is one of the most important things to look for when comparing Miami bankruptcy lawyers. The Bankruptcy Code is complex and takes years of practice to master.
A bankruptcy lawyer’s knowledge comes through years of practice representing clients and appearing in court rather than from law school or reading up on the subject.
Things to look for concerning a bankruptcy attorney’s experience:
- How many bankruptcy cases has the attorney filed? You want an attorney who has successfully represented at least 1000 clients. You don’t want to be the first!
- How long has the lawyer been practicing in the area of bankruptcy law? Look for a minimum of five to 10 years of practice in Miami.
- What is the lawyer’s success rate in getting debts discharged? As for success rates in getting cases discharged.
Regularly Practices Bankruptcy in your Area
Hiring a bankruptcy attorney who regularly practices in your area is crucial. If you live in Miami Dade County and are filing for bankruptcy in the Southern District of Florida, your case will be assigned to the Miami Division of the Bankruptcy court. Your attorney should be familiar with the court’s local rules and forms to avoid any dismissal of your case. Furthermore, an experienced attorney should know the Miami trustee’s guidelines and procedures since they will administer your case. With years of experience in front of the Miami chapter 7 or 13 bankruptcy, an attorney like Robert Stiberman can help you navigate the complex process and obtain the best possible outcome for your case.
When choosing a bankruptcy lawyer, it is essential to ensure they are licensed to practice law in Florida and admitted to practice in the Bankruptcy Court for the Southern District of Florida. You should always verify that they are in good standing with the Florida Bar and check their credentials, such as their education and experience in bankruptcy law. This will help you find a qualified attorney to handle your bankruptcy case and protect your rights effectively.
Recognition, Reviews, and Ratings
Consider more than client reviews when evaluating a bankruptcy attorney. Look for an attorney recognized for their experience and success in the field. Check for ratings and reviews on reputable sites, such as Avvo, and look for testimonials and referrals from past clients. A good bankruptcy attorney should be open and willing to provide references upon request.
A conveniently located office can benefit clients as it allows for easy access to their attorney and facilitates communication.
Personality, Communication, and People Skills
When choosing a bankruptcy attorney, one must consider their personality, communication, and people skills. A bankruptcy attorney who is empathetic, patient, and understanding can make a significant difference in the outcome of your case. A good attorney will take the time to explain complex legal concepts and ensure that you fully understand your options. Additionally, a bankruptcy attorney with strong people skills can help build trust and rapport with creditors, the court, and other parties involved in your case, potentially leading to a smoother and more successful bankruptcy process.
If English is not your primary language, you must ensure that your attorney or staff can communicate with you effectively in your native language. At Stiberman Law, we understand the importance of language accessibility and are pleased to offer Spanish-speaking services to our clients. Hablamos Español!
Why do you need a bankruptcy attorney?
Although it is possible to file for bankruptcy without the help of an attorney, it is highly recommended to seek the assistance of a bankruptcy lawyer due to the complexity of the process and the potential for property loss. A skilled bankruptcy attorney can provide legal advice, guidance, and representation to ensure you achieve the best possible outcome for your case. They can help you navigate the complex bankruptcy laws, file the necessary paperwork, and represent you in court proceedings. Furthermore, a bankruptcy attorney can help you understand the potential consequences of filing for bankruptcy, including any potential impacts on your credit score and financial future.
A bankruptcy attorney will determine if bankruptcy is right for you.
A skilled bankruptcy attorney can thoroughly analyze your financial situation to determine if bankruptcy is right for you. Stiberman Law’s experienced bankruptcy lawyer will review your debts, liabilities, assets, and financial history before recommending the most suitable action. While bankruptcy may be the best option for some, we also explore other alternatives that may better fit your needs. We take a comprehensive approach, reviewing the extent of your debt and weighing the pros and cons of filing to give you the most effective solution.
Which of my debts can be discharged in bankruptcy? What about Student Loan Debt?
Understanding which debts can be discharged in bankruptcy is essential to determine if filing for bankruptcy is your best action. At Stiberman Law, we obtain a credit report to ensure a comprehensive list of all debts. Our experienced bankruptcy attorneys will then review your debts with you, including secured debts such as mortgages or car loans, tax debts, and which debts can be discharged. We will also discuss how bankruptcy may impact your credit score. Additionally, we will address student loan debt, which typically cannot be discharged in bankruptcy but may be addressed through other options.
A Miami Bankruptcy Attorney will explain the differences between Chapters 7 and 13
When considering bankruptcy, it’s essential to understand the differences between Chapters 7 and 13. At Stiberman Law, our Miami bankruptcy attorney can guide you through these differences and help you select the right chapter for your financial situation. Choosing the right chapter can significantly impact your financial future, including the potential to save money and property. On the other hand, selecting the wrong chapter can result in severe consequences, such as property loss. Our bankruptcy lawyer will also help you handle creditor harassment, credit card lawsuits, wage garnishments, and overwhelming debt.
Chapter 7 bankruptcy Miami
Chapter 7 bankruptcy is a popular option for those who want to eliminate unsecured debt like credit card debt, medical bills, or debts resulting from lawsuits or civil judgments. To be eligible for Chapter 7 bankruptcy, you must pass a means test determining whether you have the ability or “means” to pay your debts.
On average, Chapter 7 bankruptcy takes around 90 days to complete. In urgent situations, our team at Stiberman Law can file your bankruptcy on the same day you hire us to help you get the relief you need as soon as possible.
Chapter 13 bankruptcy
Chapter 13 is a reorganization bankruptcy where you can protect your property and eliminate up to $2,750,000 in debt. Robert Stiberman, a Miami chapter 13 lawyer, will discuss if Chapter 13 bankruptcy is the best for your situation.
Unlike Chapter 7, in Chapter 13, you can catch up on past due mortgage payments, get current on car payments, and often reduce your car payments.
A Bankruptcy attorney will explain what property you can keep.
Florida bankruptcy exemptions determine if any of your property will be affected when you file bankruptcy and how to protect it. Florida has some of the most robust exemptions in the country. Exemptions are not automatic, and they must be claimed.
Steps before filing bankruptcy
Before filing for bankruptcy, several steps must be taken to ensure a successful case. At Stiberman Law, our experienced bankruptcy lawyers will guide you through the process and handle all the necessary legal representation. We will carefully review your financial documents and recommend the best action for you. With our help, your bankruptcy case is in good hands.
Gathering all the documents
We will provide you with a list of documents the attorney needs for your bankruptcy. These typically include pay stubs or profit and loss statements, the last six months of bank statements, Tax returns, and other documents based on your case.
Complete a credit counseling course.
Before filing for bankruptcy, you must complete a credit counseling course by an approved agency. We work with many agencies and will connect you with approved providers.
Prepare your bankruptcy petition, forms, and schedules
You are required to accurately prepare and submit around 23 official federal forms when filing for bankruptcy. Miami, Florida, residents filing in the Southern District of Florida must also file local forms. As local bankruptcy lawyers, we understand how to file bankruptcy and comply with all Miami Bankruptcy Court guidelines.
Collect your filing fee and costs
2022 Bankruptcy filing fees:
- Chapter 7 $388
- Chapter 13 $313
- Chapter 11 $1,7388
The filing fees do not include costs of $150. We can prepare an application to pay the court filing fee in installments or seek to waive the fee if applicable.
What happens after you file for bankruptcy? Next steps towards your financial freedom.
We will guide you step by step, attend all court hearings, and always keep you informed. You will have the peace of mind of having an experienced team by your side so that you comply with all legal requirements and have the best possible outcome.
The costs of hiring a bankruptcy attorney in Miami, Florida
The cost of hiring a bankruptcy attorney is an important consideration when deciding to file for bankruptcy. For Chapter 7 bankruptcy cases in Miami, Florida, the fees can range from $1,000 to $2,000, depending on the complexity of the case and the attorney’s experience. Finding an attorney who offers transparent pricing and payment plans to fit your budget is essential.
At Stiberman Law, we understand our clients’ financial challenges and offer affordable rates and payment plans to make filing for bankruptcy accessible. Everyone deserves the chance to get a fresh start, and we will work with you to ensure you can afford the legal representation you need. Please reach out to us today for a consultation to discuss your options.
Plan today for a better tomorrow. Schedule a free consultation with an experienced bankruptcy lawyer in Miami.
Your Experienced Bankruptcy Lawyer
Stiberman Law is a leading bankruptcy law firm in Miami-Dade County with a team of experienced and knowledgeable bankruptcy lawyers with a proven track record of success in the legal industry.
Our attorneys are dedicated to helping clients achieve financial freedom and will work tirelessly to represent you and provide you with the best options to get back on your feet. We understand that each client’s situation is unique, and we will give you personalized attention to help you achieve the best possible outcome.
Our years of experience have helped many clients eliminate or reduce their debt, stop creditor harassment, and regain financial stability. Our attorneys will guide you through every step of the bankruptcy process, from determining if bankruptcy is right for you to helping you choose the right chapter and protecting your assets.
Contact Stiberman Law today to schedule a consultation with our experienced bankruptcy lawyers and take the first step towards a brighter financial future.
No matter your situation’s complexity, Stiberman Law has the resources and experience to manage your case.
Contact a Miami Bankruptcy Lawyer
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