Compassionate legal support for individuals and families facing debt. Written By: Attorney Robert Stiberman | Updated 9/8/2025
Why Hire a Bankruptcy Lawyer in Miami
Managing overwhelming debt without help can be frustrating and intimidating. With the guidance of an experienced bankruptcy attorney, you gain a clear understanding of your rights and options, and you won’t have to face creditors or court procedures alone. At Stiberman Law, we’ve been helping Florida residents—including many in Miami—find relief from crushing debt for more than a decade. Our mission is to simplify the legal process, protect what matters most to you, and provide a real path to financial recovery.
How Bankruptcy Works in Miami
Bankruptcy cases in Miami are handled by the U.S. Bankruptcy Court for the Southern District of Florida. While federal laws set the framework, local procedures can make filing complicated if you’re not familiar with them. When you work with our team, here’s what the process generally looks like:
- Free consultation to assess your income, debt, and assets
- Guidance on selecting the right chapter of bankruptcy for your situation
- Preparation and electronic filing of all required documents
- Automatic stay begins, stopping collections, lawsuits, and wage garnishments
- Trustee meeting attended with an attorney by your side
- Resolution: either debts are discharged or a repayment plan is put in place
A Client’s Journey to Relief
A client once came to us with over $70,000 in unsecured debt from credit cards and medical expenses. By filing Chapter 13 bankruptcy, they entered a structured repayment plan that allowed them to keep their home and vehicle while making manageable monthly payments. After completing the plan, remaining eligible debts were discharged, giving them the financial reset they needed. A Miami resident left us this review: 
Bankruptcy Services Available in Miami
We provide full bankruptcy representation and related debt relief options, including:
- Chapter 7 bankruptcy for fast elimination of unsecured debt
- Chapter 13 bankruptcy for structured repayment while keeping assets
- Chapter 11 bankruptcy for businesses or individuals with high debt
- Legal defense against foreclosure and wage garnishment
We also review alternatives, such as debt settlement or consolidation, to ensure you pursue the best path for your circumstances.
The Bankruptcy Chapters Explained
Chapter 7 Bankruptcy
This chapter, sometimes called “liquidation bankruptcy,” erases most unsecured debts. Florida exemptions often allow clients to retain their primary residence, car, and essential belongings.
Chapter 13 Bankruptcy
Known as the “wage earner’s plan,” this option allows you to repay part of your debt over three to five years. At the end of the plan, remaining qualifying debt may be forgiven.
Chapter 11 Bankruptcy
Chapter 11 is often used by businesses but can also assist individuals with substantial debt. It allows for restructuring obligations while keeping operations or financial affairs on track.
Frequently Asked Questions About Bankruptcy in Miami
What types of debt can bankruptcy eliminate?
Most unsecured debts, including medical bills, credit cards, and personal loans, can be discharged. However, obligations such as child support, alimony, and most student loans cannot be erased.
Will filing for bankruptcy stop foreclosure or garnishment?
Yes. Once a case is filed, an automatic stay goes into effect, immediately halting creditor actions like foreclosures, wage garnishments, and lawsuits.
Is there a minimum debt requirement to qualify?
No. The decision to file depends on whether your debt is realistically manageable based on your income and overall financial situation, not a specific dollar amount.
How long will bankruptcy take?
Chapter 7 cases generally last four to six months. Chapter 13 repayment plans continue for three to five years before remaining eligible debts are discharged.
Take the First Step Toward Relief in Miami
Debt doesn’t have to control your future. At Stiberman Law, we’re committed to helping Miami residents through every step of the bankruptcy process with compassion and skill. Contact Stiberman Law today or complete our online form to schedule a free consultation and start moving toward financial freedom. From our office in Miami, we represent bankruptcy clients in the entire county.
