Schedule a Free Consultation with a Chapter 7 Lawyer in Florida Today
At Stiberman Law, we have helped many clients in Miami discharge their unsecured debts and stop collection efforts from creditors through Chapter 7 bankruptcy. Having a lawyer on your side with Chapter 7 experience can make a difference when it comes to filing paperwork correctly and getting an outcome that can help you improve your financial future.
Robert A. Stiberman. Attorney with over 20 years of experience in bankruptcy law.
People file for Chapter 7 bankruptcy when they want to:
Chapter 7 bankruptcy tends to be the most preferred because it is a quicker process compared to other forms of bankruptcy. It can also be less expensive. Many types of debts are forgiven when you file for bankruptcy. These include:
If you are willing to give up a house or car that secures a debt, you may also be able to eliminate mortgage or car payments. Debts that are typically not forgiven during Chapter 7 bankruptcy include:
At Stiberman Law, we can help you make sure that enough debt will be eliminated to make it worth filing for bankruptcy.
While you legally don’t have to have a lawyer to file for Chapter 7 bankruptcy in Miami, it’s highly recommended. Your lawyer can help you navigate the process and advocate on your behalf.
When you hire a Chapter 7 bankruptcy lawyer in Miami, they can:
When you hire Stiberman Law for your Chapter 7 case, you can expect a simple process:
With over 20 years of experience, Stiberman Law has helped countless people in Miami navigate through the bankruptcy process and regain the financial freedom they need to start over.
To qualify for Chapter 7 bankruptcy your family’s gross income has to be lower than the median income for the same size family in Florida. Chapter 7 can be a powerful tool when you have little or no assets and need to improve your financial situation.
While there is no set time, typically, Chapter 7 bankruptcy takes 4-6 months from the time the case is filed to the final discharge of debts. If there are no assets involved, cases can usually be discharged in just several weeks. Cases with many assets can get complicated and take longer to resolve.
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Speaking to our bankruptcy law firm is always 100% confidential.
Through our experience with Chapter 7 bankruptcy clients, we have helped them navigate through several common issues. These include:
This is one of the most effective tools creditors use to collect a debt. They can go after your paycheck, sometimes taking up to 25%. Filing for Chapter 7 bankruptcy can be an effective way to stop this from happening.
Banks, private lenders, reverse mortgage companies, as well as condominium associations can try to foreclose on your home for non-payment.
Where applicable, you may be able to lower your vehicle payments through bankruptcy.
Once you qualify for filing for Chapter 7 bankruptcy in Miami, the paperwork for the case can be filed. This paperwork needs to be filled out accurately and on time to avoid any delays.
During the Chapter 7 process, all attempts to collect a debt must stop. This means no more harassing calls from debtors. A bankruptcy trustee will gather your nonexempt valuable assets and will sell them to pay off as much debt as possible. Once this is done, any eligible debt is discharged.
We can explore whether Chapter 13 bankruptcy better suits your case.
All collection action, including collection calls, has to stop when your bankruptcy is filed.
No, you do not.
It stays on your credit for 10 years. But, your credit score will improve if you keep up with any other debts you accrue after filing for bankruptcy.
Fees can vary but typically range anywhere from $900 to $1500, depending on the complexity of your case. There is also a mandatory minimum fee of $338 to file for Chapter 7. You must also take a mandatory debt counseling course and personal finance course that costs around $50. Stiberman Law provides these courses as part of our services and is included in our price.
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The South Florida law firm of Stiberman Law, provides legal representation and counsel in matters of Chapter 7 Bankruptcy.
If you would like more information on how Stiberman Law can help you file for Chapter 7 bankruptcy in Miami, call us at Call us: (954) 758-4324 or fill out the form below.
Speaking to our law firm is always 100% confidential. We do our best to respond to inquiries in under 24 hours.
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