Miami Bankruptcy Attorney

Our Bankruptcy Lawyers in Miami can help you get a fresh start

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Looking for a bankruptcy attorney in Miami? Read some of our reviews:

  • K.D.starstarstarstarstar5.0
    I was looking for a bankruptcy attorney in Miami, and I found Mr. Stiberman. He and his office were efficient, and they guided me through every step of the process. I am appreciative of Read More
    September 16, 2022logo
  • M.V.starstarstarstarstar5.0
    Stiberman law best office in Miami. Helped with my issues with my license and eliminate my debt through my bankruptcy chapter 13. Best office, they have been amazing and continue to wor Read More
    November 20, 2021logo
  • N.W.starstarstarstarstar5.0
    I can’t say enough about this law firm. They explain the bankruptcy process and the differences between chapter 7 and 13 in plain english. They make me feel very comfortable and alway Read More
    January 8, 2022logo
  • K.D.starstarstarstarstar5.0
    I was looking for a bankruptcy attorney in Miami, and I found Mr. Stiberman. He and his office were efficient, and they guided me through every step of the process. I am appreciative of Read More
    September 16, 2022logo
  • M.V.starstarstarstarstar5.0
    Stiberman law best office in Miami. Helped with my issues with my license and eliminate my debt through my bankruptcy chapter 13. Best office, they have been amazing and continue to wor Read More
    November 20, 2021logo
  • N.W.starstarstarstarstar5.0
    I can’t say enough about this law firm. They explain the bankruptcy process and the differences between chapter 7 and 13 in plain english. They make me feel very comfortable and alway Read More
    January 8, 2022logo

Written By: Attorney Robert Stiberman
Last Updated February 12, 2024

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 residents for the last 15 years.

Robert Stiberman obtained his Juris Doctorate degree from the University of Miami Law School in 1996 and has been a member in good standing of the Florida bar since 1998. Robert gas been actively representing bankruptcy clients in the Bankruptcy Court for the Southern District of Florida, which hears cases filed in Miami, since 2009. Mr. Stiberman has more then 15 yeas of experience serving bankruptcy clients, has successfully filed and obtained a discharge in more than 1000 bankruptcy cases, and regularly appears before the honorable Miami bankruptcy judges,  Laurel M. Isicoff, Robert A. Mark, and the newly appointed Corali Lopez-Castro. 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. We are available to meet with you by appointment only at the office locations below:

9100 Dadeland Blvd #1500
Miami, FL 33156
Office Hours Mon-Fri 9-5
Tel 954-922-2283

1 Alhambra Plaza
Floor PH
Coral Gables, FL 33134
Office Hours Mon-Fri 9-5
Tel 954-922-2283

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:

  1. free consultation with a Miami bankruptcy attorney to see how we can help and if bankruptcy is right for you.
  2. Affordable fees and flexible payment plans. We understand your financial issues; our costs and payment plans consider that.
  3. We always keep you informed and will answer your questions immediately.
  4. We file your case electronically, sometimes on the same day.
  5. You will receive your case number and post-filing instructions minutes after we file your case.
  6. We are ready to meet with you in two Miami offices (Kendall and Coral Gables) and our Broward and Palm Beach County locations.
  7. We are fluent in English and Spanish. Hablamos Español.
  8. 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.

Credentials

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.

Office Locations

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.

Language Skills

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.

“Seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.” Source: United States Courts.

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. Several categories of debts cannot be discharged in bankruptcy, including specific tax claims, debts omitted by the debtor in court filings, obligations for spousal or child support, debts arising from intentional harm to individuals or property, liabilities to government bodies for fines and penalties, most government-funded educational loans or overpayments, debts for personal injury caused by driving under the influence, obligations to certain tax-advantaged retirement plans, and certain condominium or cooperative housing fees. Source: 11 U.S. Code § 523 – Exceptions to discharge.

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

2024 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.

You can secure your financial future by scheduling a free consultation with an experienced bankruptcy lawyer in Miami today. If you’re struggling with credit card bills, medical expenses, or other debt, filing for bankruptcy may be the right option. At Stiberman Law, led by our experienced bankruptcy attorney Robert Stiberman, we can guide you through the bankruptcy process and help you achieve the financial freedom you deserve. Call us today at (954) 932-7804 to schedule a free consultation and take the first step toward getting your finances back in order.

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.

Miami Bankruptcy Attorney Robert Stiberman

No matter your situation’s complexity, Stiberman Law has the resources and experience to manage your case.

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Foreclosure and Chapter 13 Bankruptcy

At Stiberman Law, our experienced bankruptcy attorneys handle all areas of bankruptcy for clients across Miami-Dade County, Florida.

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    Chapter 7 Bankruptcy Lawyers in Miami-Dade, Fl

    Eliminate the debt that you owe. Protect your most important assets. Pause all collection efforts.

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    Chapter 11 Bankruptcy Lawyers in Miami-Dade, Fl

    It’s not just for big corporations. Handle complex financial obligations. Create a plan that works for you.

  • 13
    Chapter 13 Bankruptcy Lawyers in Miami-Dade, Fl

    Settle all of your debt within 3-5 years. Leverage your future income to eliminate your past debts.

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Experienced Bankruptcy Attorneys in Miami-Dade

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    22+ Years Of Experience

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Miami Bankruptcy Law Firm

Miami-Dade County Bankruptcy Lawyers

We represent clients in Miami Dade County And The Surrounding Area.

Serving Miami-Dade County And The Surrounding Area

From our office in Miami (Miami-Dade, Fl), we represent bankruptcy clients in Aventura, Bal Harbour, Bay Harbor Islands, Biscayne Park, Carol City, Coconut Grove, Coral Gables, Cutler Bay, Doral, El Portal, Florida City, Goulds, Hialeah, Hialeah Gardens, Homestead, Kendall, Key Biscayne, Leisure City, Miami Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, Naranja, North Bay Village, North Miami, North Miami Beach, Ochopee, Ojus, Olympia Heights, Opa-Locka, Palm Springs North, Palmetto Bay, Pinecrest, Princeton, Richmond Heights, South Miami, South Miami Heights, Sunny Isles Beach, Surfside, Virginia Gardens, West Miami and Westchester.

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It’s time to take care of your debt and live a life of freedom. Get started now

Facing insurmountable debt? Get a free consultation with a bankruptcy attorney at Stiberman Law.

Meet Robert Stiberman

Your Trusted Miami-Dade Bankruptcy Lawyer

Bankruptcy Attorney Robert Stiberman in Miami Office

As a top debt negotiator in Miami-Dade, Robert A. Stiberman takes a humane approach to debt relief. He is passionate about helping people overcome debt as quickly as possible and in the best way possible.

Nearby City Guides:

 

Miami, Florida Bankruptcy Guide (2022)

Fort Lauderdale, Florida Bankruptcy Guide (2022) 

West Palm Beach, Florida Bankruptcy Guide (2022)

 

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