Experienced Westchester Bankruptcy Attorney – Stiberman Law, P.A.

Written By: Attorney Robert Stiberman| Updated 5/17/2023

Bankruptcy Attorney near Westchester, FL

Westchester, FL Bankruptcy Attorney Robert Stiberman

  • Erikastarstarstarstarstar5.0
    I had a truly great experience working with Stiberman firm with my moms bankruptcy case. From the very beginning, they were knowledgeable, compassionate, and completely dedicated to hel Read More
    April 11, 2025logo
  • Betsi B.starstarstarstarstar5.0
    As embarrassing and humiliating as bankruptcy is, I had no choice but to file. Stiberman Law was the absolute best you could ask for. I didn’t have to guess, wonder what was h Read More
    September 10, 2024logo
  • Ashonta W.starstarstarstarstar5.0
    I was looking for a bankruptcy attorney in the Fort Lauderdale area when I came across Stiberman Law. They made sure to always keep in contact with me and were very helpful and know Read More
    July 25, 2024logo
  • Erikastarstarstarstarstar5.0
    I had a truly great experience working with Stiberman firm with my moms bankruptcy case. From the very beginning, they were knowledgeable, compassionate, and completely dedicated to hel Read More
    April 11, 2025logo
  • Betsi B.starstarstarstarstar5.0
    As embarrassing and humiliating as bankruptcy is, I had no choice but to file. Stiberman Law was the absolute best you could ask for. I didn’t have to guess, wonder what was h Read More
    September 10, 2024logo
  • Ashonta W.starstarstarstarstar5.0
    I was looking for a bankruptcy attorney in the Fort Lauderdale area when I came across Stiberman Law. They made sure to always keep in contact with me and were very helpful and know Read More
    July 25, 2024logo
  • Mauricio R.starstarstarstarstar5.0
    I had an outstanding experience with Stiberman Law. The entire bankruptcy process was quicker than I expected, and the staff was consistently friendly and professional. It’s clear Read More
    July 22, 2024logo
  • Louisa P.starstarstarstarstar5.0
    Robert and the team at Stiberman Law are truly exceptional. I was faced with the daunting task of navigating bankruptcy, and from the moment I contacted them, I knew I was in good hands Read More
    May 21, 2024logo
  • Arlene S.starstarstarstarstar5.0
    Excellent Lawyer, friendly and on top of things and reliable and efficient. I had to go through bankruptcy twice and I trusted them every time. I had the best experience with Robert and Read More
    March 20, 2024logo
  • Gustavo S.starstarstarstarstar5.0
    I am very satisfied with the service that they offered us. They were very professional and kept us informed at all times. I was looking for a bankruptcy attorney nearby and fount Robert Read More
    March 19, 2024logo
  • Paul B.starstarstarstarstar5.0
    I would like to share the amazing experience I have had with this Law firm. I was on the verge of loosing my house because I had not paid my property taxes. I looked for a Bankruptcy at Read More
    July 10, 2023logo
  • S.M.starstarstarstarstar5.0
    When I say this office was absolutely the best, I am not kidding! They have been absolutely phenomenal. Robert has been the best bankruptcy attorney. The whole team has always kept Read More
    April 20, 2023logo
  • Paula D.starstarstarstarstar5.0
    I was referred by a friend to this bankruptcy attorney. Mr. Stiberman and his staff was very courteous, knowledgeable and very caring towards my concerns. I am pleased with the outcom Read More
    April 18, 2023logo
  • R.P.starstarstarstarstar5.0
    The process was relatively easy, I would recommend Stiberman Law to anyone who finds themselves in need of a bankruptcy attorney.
    February 24, 2023logo
  • Jose N.starstarstarstarstar5.0
    I have to say that I have had a great experience with Stiberman Law regarding a bankruptcy and they have been very informative and supportive. They have been very helpful and always ans Read More
    January 20, 2023logo
  • L.L.starstarstarstarstar5.0
    Excellent service. Great bankruptcy attorney and staff. Always informed me of what to expect. My Chapter 13 bankruptcy was smooth and the process was easy thanks to Robert and the Read More
    July 20, 2022logo
  • Sam Sstarstarstarstarstar5.0
    Twelve years ago I was in need of legal representation stemming from the housing meltdown if 2008. Robert Stiberman and his staff handled the matter with complete professionalism and sp Read More
    October 19, 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
  • Carmen C.starstarstarstarstar5.0
    I am so grateful for Stiberman Law, P.A. In 2019 my husband and were faced with a very difficult decision file for Bankruptcy, unfortunately we weren’t able to pay for our credit Read More
    October 26, 2022logo
  • N.M.starstarstarstarstar5.0
    Excellent work from this bankruptcy law firm! I was drowning in debt with my license suspended from a lawsuit I had and thought I would have to spend the rest of my life paying back deb Read More
    August 17, 2022logo
  • R.Z.starstarstarstarstar5.0
    The experience with this office has been great. No problems at all they have kept me straight to doing the right thing and feeling a breeze of peace and being debt free with my bankruptcy.
    August 30, 2022logo
  • F.starstarstarstarstar5.0
    Very happy with Robert and his team. Thanks to them we were able to save our home. Very helpful and knowledgeable in bankruptcy. Best attorney.
    July 28, 2022logo
  • E.R.starstarstarstarstar5.0
    I had a great experience, I just want thank Stiberman law and his team for a great experience also Ana for the help and explaining my case. Appreciate, thank you
    July 25, 2022logo
  • A.B.starstarstarstarstar5.0
    Very good office with my bankruptcy. They have been amazing through this hard process. Very happy with Robert and his staff they are very nice and professional. Thank you stiberman!
    July 23, 2022logo
  • W.J.starstarstarstarstar5.0
    Amazing work by Robert. They are really good with what they do, very attentive and knowledgeable. Customer service and professionalism are top, the lawyer has been great this whole t Read More
    June 25, 2022logo

Debt can sneak up on anyone, creating a maze of financial trouble that feels impossible to escape. Whether it’s mounting credit card bills or unexpected medical expenses, many individuals in Westchester find themselves weighed down by financial struggles. Seeking professional help from a knowledgeable attorney can provide the guidance needed to regain control.

A skilled bankruptcy attorney plays a critical role in navigating these financial crises. From understanding complex legal processes to representing clients in court, we offer the experience required for managing Chapter 7 or Chapter 13 bankruptcy cases. Why face such daunting challenges alone when you can contact a bankruptcy law firm?

At Stiberman Law, P.A., we pride ourselves on helping Westchester residents achieve a fresh start. Our commitment to providing clear, compassionate, and professional legal advice sets us apart as a trusted partner in your journey towards financial recovery. By working together, we can turn the page to a new, debt-free chapter in your life.

Understanding Bankruptcy

There are different types of bankruptcy, each with its own features and requirements. We will explain Chapter 7, Chapter 11, and Chapter 13 bankruptcies, focusing on their key characteristics and differences.

Chapter 7 Bankruptcy involves liquidating non-exempt assets to pay off creditors. It is often chosen by individuals who do not have a regular income. Eligibility requires passing a means test, which assesses income and expenses.

Chapter 11 Bankruptcy is typically utilized by businesses needing to reorganize their debts while continuing operations. This type lets businesses create a plan to pay creditors over time.

Chapter 13 Bankruptcy deals with creating a repayment plan to pay back debts over 3 to 5 years. It’s suited for individuals with a steady income who want to keep their assets. This option allows debtors to restructure and manage their finances more efficiently.

Eligibility Requirements

Each bankruptcy type has specific eligibility criteria.

For Chapter 7, a person needs to pass the means test to show that their income is below the state median income. If their income is above, they must provide detailed financial records to prove they can’t pay their debts.

Chapter 11 does not have a means test, but a business must demonstrate its financial distress and ability to reorganize effectively.

For Chapter 13, individuals must have a regular income.

Bankruptcy provides a structured way to manage overwhelming debt and prevent creditor harassment. It is crucial to understand the differences and requirements of each type to choose the best path for financial recovery.

The Bankruptcy Process

Filing for bankruptcy involves a series of steps to ensure a structured approach to resolving debts.

Step 1: Gather Documentation

We need to collect extensive financial documents. This includes income statements, bank records, loan agreements, and credit card statements. Having all documents in order is crucial.

Step 2: Accurate Financial Disclosure

It’s essential to provide a complete financial disclosure. Inaccurate information can lead to complications or even case dismissal. Every debt, asset, expense, and income source must be disclosed.

Step 3: Filing the Petition

Next, we file the bankruptcy petition with the appropriate bankruptcy court. This includes various forms detailing your financial situation.

Step 4: Automatic Stay

Upon filing the petition, an automatic stay goes into effect. This halts most collection actions against you. It’s a relief and gives you breathing room.

Step 5: Meeting with Creditors

We attend a meeting of creditors, also known as a 341 meeting. Here, creditors can ask about your financial situation and the bankruptcy plans.

Step 6: Court Hearings

Depending on the type of bankruptcy, there may be additional court hearings. These hearings will address any disputes and finalize your repayment plan or discharge.

Step 7: Completion

If all is in order, the court will discharge eligible debts, completing the bankruptcy process. You must adhere to any additional requirements, like financial management courses, to ensure a successful discharge.

By following these steps, you can navigate the bankruptcy process more smoothly. This helps you work towards a fresh financial start.

Westchester Bankruptcy Law Firm

At the Bankruptcy Law Firm of Stiberman Law, our trusted Westchester bankruptcy attorney can help determine if bankruptcy is right for you.

Your Experienced Westchester Bankruptcy Lawyer

Led by top-rated Westchester bankruptcy attorney Robert Stiberman, your success is our primary goal at Stiberman Law. Robert Stiberman is a trusted bankruptcy lawyer serving Westchester with over 12 years of experience representing bankruptcy clients throughout Florida. Robert is a member of the Bankruptcy Court for the Southern District of Florida and is authorized to represent Miami-Dade, county residents living in Westchester, FL, seeking to file for bankruptcy protection.

Robert Stiberman is a University of Miami Law School Graduate and a UM Alumni. Robert is one of the top bankruptcy attorneys in Florida with a track record of success to prove it. Robert and the office team consistently receive positive reviews for their hard work.

To help you with your debt situation, our committed Westchester Bankruptcy Attorneys are ready to represent you, presenting you with the best options to get you back on your feet.

Why Choose Stiberman Law, P.A.

Experienced Attorneys

At Stiberman Law, P.A., our team boasts extensive experience in bankruptcy laws. We have built a reputation for being efficient advocates for our clients facing financial hardships. Our lawyers have a deep understanding of bankruptcy processes, helping you navigate complex legal challenges.

Client-Centered Approach

We pride ourselves on providing personalized service. Our friendly, professional attorneys work diligently to guide you through every step while addressing your concerns. Your success is our top priority, and our strategies to meet your unique needs.

Free Consultation

We offer a free consultation to prospective clients which gives you the opportunity to discuss your case with one of our experienced attorneys, understand your options, and get a clear plan moving forward. Schedule your free consultation today to take the first step towards financial stability.

Comprehensive Services

Our firm has extensive experience in a wide range of bankruptcy services, including Chapter 7, Chapter 11, and Chapter 13 bankruptcies. We also handle real estate and foreclosure litigation, to ensure we can meet your needs no matter the situation.

What Is it Like Working With Westchester Bankruptcy Attorney Robert Stiberman?

At Stiberman Law, we focus on bankruptcy, and as Westchester bankruptcy attorneys, we are authorized to practice in the Southern District of Florida. Westchester cases are heard in the Miami Division. We are familiar with the Local Rules specific to this court which is critical to the best possible outcome of your case.

What to Expect From Westchester Bankruptcy Attorney Robert Stiberman?

  1. A free consultation with a Westchester bankruptcy attorney to see how we can help and if bankruptcy is right for you.
  2. Affordable fees and flexible payment plans. We understand you are facing financial issues and our fees and payment plans consider that.
  3. We always keep you informed and will answer your questions immediately.
  4. We will file your bankruptcy case electronically in the Bankruptcy Court for the Southern District of Florida (if applicable), sometimes on the same day.
  5. We will file a Suggestion of Bankruptcy to stop a Miami-Dade state court action (if applicable).
  6. You will receive your bankruptcy case number and post-filing instructions within minutes after we file your case.
  7. We are fluent in English and Spanish. Hablamos Español.
  8. Our bankruptcy team will work towards your best possible outcome. Your legal issue is our top priority.

Westchester, FL Localized Bankruptcy Knowledge

Stiberman Law Westchester Bankruptcy attorneys understand the Federal Rules of Bankruptcy Procedure, local rules, and the applicability of state law concerning exemptions.

Filing for bankruptcy requires compliance with the U.S. Bankruptcy Code, the Federal Rules of Bankruptcy Procedure, and the bankruptcy court’s local rules.

Westchester residents filing in the Southern District of Florida also have to comply with the Miami Division’s local rules.

Bankruptcy attorney Robert Stiberman has more than 12 years of experience navigating the bankruptcy process and is constantly up to date with the changes in bankruptcy law.

In addition to providing you with experience on federal bankruptcy law and procedure, Westchester bankruptcy attorney Robert Stiberman will be able to advise you on the applicability of federal or state exemptions to protect your property in bankruptcy and everything you need to know about bankruptcy.

Westchester Bankruptcy Lawyer Robert Stiberman Will Advise if Bankruptcy Is Right for You, which Bankruptcy to File, and what Documents You Need

At Stiberman Law we offer a free consultation to determine if bankruptcy will help you achieve your goal.

Understanding what debts can be discharged in bankruptcy and what property you can keep is critical in determining if bankruptcy is right for you.

A Stiberman Law Westchester bankruptcy attorney will review your debts, assets, and financial history before recommending if bankruptcy is right for you.

If you’re struggling with debt, a bankruptcy lawyer in Westchester can help determine which type of bankruptcy filing may be the right choice. Whether you’re considering Chapter 7, Chapter 11, or Chapter 13 bankruptcy, a skilled attorney can evaluate your financial situation and provide guidance on the best course of action.

Choosing the right type of bankruptcy for your specific situation is important, as selecting the wrong one can have severe consequences, including the possible loss of property. To learn more about each type of bankruptcy and find the right attorney to assist you, click on the links below:

Filing for bankruptcy requires completing around 23 official federal and local forms required by the Southern District of Florida when applicable. A Stiberman Law Westchester bankruptcy attorney will instruct you on the documents you need to collect prior to filing bankruptcy, will prepare and file all appropriate forms electronically, and will comply with Local Rules.

Westchester Bankruptcy Lawyer Robert Stiberman Will Explain What to Expect After Filing for Bankruptcy

Filing the voluntary bankruptcy petition will start the bankruptcy process and stop most collection efforts. Our experienced bankruptcy lawyer will notify all creditors, file the necessary documents in Miami-Dade county court where collection lawsuits may be pending, and explain what happens after your case is filed.

Westchester, Florida is located in Miami-Dade, county Florida. Westchester residents filing bankruptcy in the Southern District of Florida will be assigned to the Miami Division of the Bankruptcy court.

The Miami Division is located in C. Clyde Atkins United States Courthouse, 301 North Miami Avenue, Room 150, Miami, Florida 33196. Click {here} for a road map to the courthouse.

The Miami Division is headquartered in downtown Miami, Florida.

A Stiberman Law bankruptcy lawyer will discuss what to expect at your meeting of creditors, including commonly asked questions, and will work towards complying with your Miami Division (if applicable) bankruptcy Trustee’s requirements and steps you need to take to obtain your discharge.

Chapter 7 bankruptcy has helped millions of Americans unburden themselves from the crushing weight of debts. It is called a straight or liquidation bankruptcy because a Trustee will seek to liquidate your non-exempt assets to repay debts. Many cases are called “no asset” cases because there is nothing to liquidate. The Chapter 7 process usually takes 4 to 6 months to complete and stops most collection efforts and lawsuits from day one.

Level of Experience

One of the most important things to look for when comparing bankruptcy attorneys is their level of experience and expertise. Bankruptcy is highly technical and requires familiarity with Federal and Local Rules.

Westchester bankruptcy lawyer Robert Stiberman obtained most of his knowledge through years of bankruptcy law practice representing clients and appearing in court.

Things to look for concerning a bankruptcy attorney’s experience:

  • How many cases has the attorney filed in or near Westchester?
  • How long has the lawyer been practicing bankruptcy law?
  • What is the lawyer’s success rate in getting debts discharged?

Credentials

In addition to being a licensed Florida attorney, bankruptcy attorney Robert Stiberman is admitted to practice in the Bankruptcy Court for the Southern District of Florida.

Reviews, Ratings, and Recognitions

Reviews are critical and read multiple ones to get a more accurate picture. Bankruptcy lawyer Robert Stiberman and his firm consistently receive 5-star google reviews for their professionalism, dedication, and customer service. Click here to read some reviews.

Accreditations from third-party sites such as Avvo are also good for your bankruptcy attorney.

Personality and Communication Skills

Feeling comfortable with your attorney and working with a bankruptcy lawyer with good customer service skills is essential.

Getting along with your attorney is key to an effective attorney-client relationship. Filing for bankruptcy involves much communication with your attorney and the attorney’s staff. 

Language Skills – If English is not your first language and you feel more comfortable communicating in your language, it may be a good idea to find a bankruptcy lawyer who speaks your language or has staff who does.

Other Factors to Consider

Bankruptcy attorney Robert Stiberman and his bankruptcy professionals have received numerous positive customer reviews for their hard work. 

Why Do You Need a Westchester Bankruptcy Lawyer?

Although the law allows individuals seeking to file for bankruptcy to file without a lawyer, or pro se, due to the complexities and potential bankruptcy consequences, including the loss of your property, we recommend you seek the advice of an experienced Westchester bankruptcy lawyer at Stiberman Law.

The Costs of Hiring a Bankruptcy Attorney in Westchester, Florida

One of the main questions people ask is how much it will cost them to file for bankruptcy and whether they can afford it.

At Stiberman Law we understand our client’s financial challenges, have developed efficiencies to reduce costs, and can offer affordable rates and convenient payment plans.

Need Help Filing for Bankruptcy in Westchester, Florida?

If you need help filing for bankruptcy in Florida, the Westchester bankruptcy lawyers at Stiberman Law are here to help. With more than 12 years of experience in Florida bankruptcy law, we can answer your questions and guide you regarding your financial future. Contact us today or complete our contact form to schedule a consultation.

Other locations near Westchester, FL served by bankruptcy attorney Robert Stiberman:

Westview

Westwood Lakes

Aventura

Bal Harbour

Bay Harbor Islands

Biscayne Park

Brownsville

Coral Gables

Coral Terrace

Country Club

Nearby City Guides:

Westchester, Florida Bankruptcy Guide (2023)

Westview, Florida Bankruptcy Guide (2023)

Westwood Lakes, Florida Bankruptcy Guide (2023)

Big Coppitt Key, Florida Bankruptcy Guide (2023)

Getting in Touch

Bankruptcy is a vital decision that can provide a fresh start. It’s crucial to have a knowledgeable attorney to guide you through this process.

At Stiberman Law, P.A., we understand the complexities of bankruptcy and are here to help. Reaching out to us for an initial consultation is the first step towards your debt relief. We are dedicated to providing efficient legal representation in bankruptcy cases.

It’s important to take this step with a trusted professional by your side. Don’t hesitate to reach out to our Westchester county bankruptcy lawyers. We look forward to assisting you with your bankruptcy needs.

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