Are you struggling to pay your bills? Have you experienced an unexpected setback? Many Miami families find themselves in a situation where they simply can’t make ends meet. Stiberman Law has helped people just like you come up with a plan to tackle debt and rebuild.
Filing for bankruptcy is a difficult decision. Once you decide to file, you have to figure out which type of bankruptcy makes the most sense for your situation.
Chapter 7 bankruptcy involves selling all of your non-exempt assets and using the proceeds to eliminate your debts. Chapter 11 bankruptcy is most often used by corporations to restructure their debts, but individuals can file for Chapter 11 as well. Chapter 13 bankruptcy allows you to make payments on your debt based on your income.
If you’re considering bankruptcy, you need to speak with a Miami bankruptcy lawyer at Stiberman Law. The consultation is completely free. We aren’t here to judge. We work hard to help families build a better future for themselves.
You may not need to file for bankruptcy. We can help you understand all of the options available to you. If you do choose to file for bankruptcy in Miami, we’ll help you with the entire process.
One of the most important steps is getting an accurate list of your creditors. We can pull your credit report to ensure that all of your eligible debts are included in your Miami bankruptcy filing.
Next, we’ll sit down and discuss the different bankruptcy filing options. In most cases, you will be required by the bankruptcy court to complete financial counseling. We can help with this step.
When we file for bankruptcy on your behalf, your creditors will be notified. All collection activity will be temporarily paused. This includes any foreclosure proceedings. The calls from creditors should stop, and your mailbox will become less scary.
We will keep you fully informed at every step. You may not need to attend all of your bankruptcy court hearings. By hiring a Miami bankruptcy lawyer, you can enjoy the peace of mind that comes from knowing an expert is handling the entire process on your behalf.
The fees associated with filing for bankruptcy include court costs, attorney’s fees and trustee fees. The bankruptcy court handling your case will charge a filing fee. This fee changes based on the type of bankruptcy you file. It generally ranges from $310 to $1717. The trustee responsible for handling payments to your creditors will charge a fee. If you choose to hire a bankruptcy attorney, you will also need to pay attorney’s fees.
If you’re already struggling to pay your bills, you might be worried about figuring out how to pay for your bankruptcy filing. The good news is Stiberman Law offers payment plans to help struggling borrowers manage their bankruptcy fees.
If you file for bankruptcy correctly, you will enjoy a new chapter of your life with a lot less stress and anxiety. Financial challenges can impact every facet of your life. We’re here to help you find the best solution to tackle your financial challenges.
No, you will not lose everything by filing for bankruptcy. The bankruptcy laws in Florida recognize that you need a roof over your head and food on the table. Depending on the type of bankruptcy you file, you may be able to keep all of your assets.
Your decision to file for a specific type of bankruptcy (Chapter 7, 11 or 13) will depend on your specific needs and circumstances. This is where it becomes important to speak with a Miami bankruptcy lawyer. We understand all of the options available to you. If filing for bankruptcy makes sense, we’ll help you complete the process. We will also present you with any other options that may be available to you.
Florida bankruptcy filers are allowed to keep specific assets when filing for bankruptcy. The list of exempt assets will depend on the type of bankruptcy you choose to file. The most common items include your personal home (depending on the status of your mortgage) and your primary vehicle for driving to and from work.
Stiberman Law is dedicated to helping individuals and families tackle their financial challenges. We want to give you a new lease on life, without the burden of crippling debt. You don’t have to figure out the complex process of choosing and then filing for a specific type of bankruptcy.
Let us help you assess your options. We’ll look at your unique circumstances and come up with a smart solution. The consultation is completely free and you’ll get access to real answers to your questions.
Speaking to our law firm is always 100% confidential. We do our best to respond to inquiries in under 24 hours.
We’ll get in touch as soon as possible.
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Robert A. Stiberman
