Debt Consolidation Lawyer in Florida

Our Debt Consolidation Lawyers in Florida Can Help You.

Robert Ariel StibermanClients’ ChoiceAward 2022

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Looking for a debt consolidation attorney? Read some of our client reviews:

  • 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
  • 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

An accident, medical expenses, or a loss of a job can lead to financial disaster. Each day, more bills come in, some are months past due or have been sold to collection agencies. You struggle to keep up with your mortgage and utility bills because you’re trying to pay on credit cards or medical bills, or you find yourself in a home you can no longer afford. If this sounds familiar, or you are experiencing significant financial difficulties, schedule a free consultation with a debt consolidation lawyer at Stiberman Law today.

How a Debt Consolidation Lawyer Can Help You

You may be afraid that there are only two solutions to your current financial struggles: continue to try and pay what you can and face wage garnishment and even foreclosure, or file for bankruptcy and lose everything. While filing for bankruptcy is the right choice in some cases, our clients often come out with minimal if any loss of property, plus there are several avenues we can explore to help you get out of debt more easily and quickly.

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Short Sale on Your Home

If you are behind on your mortgage payments, the bank may be considering beginning foreclosure proceedings. However, before this occurs, we can explore a short sale. This allows you to sell your home for less than the amount you owe on the mortgage in order to avoid foreclosure and get out from under high payments.

When the buyer gets an offer, the mortgage lender must approve the offer before the sale of the house can go through, but once complete, they will forgive the remaining balance. While this affects your credit, the financial consequences are significantly less serious than foreclosure.

Debt Negotiation

When the debt is coming from medical bills, credit card bills, or even private student loans, our debt negotiation lawyer can step in on your behalf. Often, we can negotiate lower payments or a lump sum settlement that is less than what you owe, allowing you to get out from under high payments and hefty interest rates.

In other cases, we can consolidate your debts into one monthly payment so that all your creditors are satisfied. This option comes with the following benefits:

  • One monthly payment that is often lower than the sum of your current payments;
  • All creditors and judgements are satisfied;
  • No more wage garnishment, debt collection letters or harassing phone calls.

Filing for Bankruptcy

While many people balk at the idea of bankruptcy, in some cases it is the best way to wipe the slate clean of unsecured debt, like medical bills and credit cards.

  • Chapter 7 Bankruptcy liquidates your debts and assets, selling non-exempt valuables to pay off your creditors, and the rest of your eligible debt is discharged in less than six months. This option is not available to everyone due to strict income guidelines.
  • Chapter 13 Bankruptcy restructures your debt, allowing you to pay one monthly payment based on your disposable income for three to five years. At the end of the payment period, your eligible debts are discharged. This method can be used to get out from a second mortgage on your home without having to sell the property.

Tax Debt

Tax debt is a problem facing thousands of Florida residents, but there are ways to deal with overwhelming tax issues. Older debts on owed taxes can be discharged through bankruptcy. However, there are also payment plans and settlement options available, too. We can help you make the right choices to avoid legal issues or having a tax lien placed on your property.

Experienced Debt Consolidation Attorneys in Florida

If you need to stave off the foreclosure through Debt Consolidations, our attorneys can help you.
We offer comprehensive mortgage Debt Consolidation services by our experienced attorneys.

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22+ Years Of Experience

More than a decade of experience handling complex Debt Consolidation filings in Florida.

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Free Initial Consultation

Get real answers to your Florida Debt Consolidation questions so you can make fully informed decisions.

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100+ 5 Star Reviews

You don’t have to take our word for it. Our clients rave about the speed and quality of our work.

Why Choose Stiberman Law as Your Debt Consolidation Attorney

Why Choose Stiberman Law as Your Debt Consolidation Attorney

At Stiberman Law, we have been helping people get out from under debt, avoid foreclosure, and move forward with confidence since 1998 and have over a decade of experience in complicated debt consolidation filings in Florida. Robert Stiberman is a top rated Debt Consolidation Lawyer serving Miami, Fort Lauderdale, Boca Raton, and West Palm Beach.

You will sit down with a debt consolidation lawyer who will go over your debts, income, and other important information. Working with you, we will create a strategy that will give you the best overall outcome. In some cases the solution is debt consolidation or selling your home in a short sale, while other circumstances are best solved by filing for bankruptcy and having debts discharged. Our law firm always has our clients best interests in mind and will work on your behalf to secure the best option, and we offer affordable payment options so you can get the assistance you need, when you need it most.

Schedule a Free Consultation
with a Debt Consolidation Lawyer in Florida

If you’re struggling to keep up with bills, you’ve fallen behind on your mortgage, or you worry about being sued for a debt, we can help. Schedule a free consultation with a debt consolidation lawyer in Florida today by calling (954) 932-7804 or filling out the form below and get back on the path to financial freedom and security. We proudly serve all of South Florida, including Miami, Hollywood, Fort Lauderdale, Boca Raton, and Palm Beach.

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