Bankruptcy Attorney in Miami, FL (Se Habla Español)
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 with local court procedures, a bilingual team (Se Habla Español), and a convenient office location in the Kendall area to help Miami residents simplify the bankruptcy process (Chapter 7, 13, or 11) and achieve a financial fresh start.
Compassionate legal support for individuals and families facing debt. Written By: Attorney Robert Stiberman | Updated 9/8/2025
Why Miami Residents Choose Stiberman Law
We don’t just file forms; we provide a clear path to financial recovery:
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Local Court Experience: We know the specific trustees and judges at the C. Clyde Atkins U.S. Courthouse in Miami, ensuring your case moves smoothly.
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Bilingual Team (Se Habla Español): We serve Miami’s diverse community in your preferred language.
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Convenient Location: Our office is located at 9100 Dadeland Blvd (Kendall area), easily accessible from US-1 and the Palmetto Expressway.
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Immediate Protection: We act fast to stop wage garnishment and foreclosure the moment you hire us.
Visit Our Miami Office: Stiberman Law, P.A. 9100 Dadeland Blvd, Suite 1500 Miami, FL 33156 (By Appointment Only)
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.
How Bankruptcy Works in Miami
Bankruptcy cases in Miami are handled by the Miami Division of 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
- We conduct consultations in English or Spanish to ensure you fully understand your rights.
- We’ll evaluate your eligibility for Chapter 7.
- 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
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.
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.
Check out our free bankruptcy means test calculator to see if you are eligible.
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.
Bankruptcy Services Available in Miami
We provide full bankruptcy representation and related debt relief options, 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 businesses or individuals with high debt
Foreclosure and wage garnishment
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
My experience with this law firm was amazing. Lester was extremely professional, polite and knowledgeable. I truly appreciate the service and would highly recommend them to anyone needing legal services.
Marie G.
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Miami
What types of debt can bankruptcy eliminate?
Will filing for bankruptcy stop foreclosure or garnishment?
Is there a minimum debt requirement to qualify?
How long will bankruptcy take?
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.
Proudly serving Miami-Dade County communities: Kendall, Coral Gables, Hialeah, Homestead, Miami Beach, Doral, and Aventura.