Debt Consolidation Attorney in Miami

Negociación de la deuda

When much of your financial difficulty is coming from medical bills, high-interest credit cards, or private student loans, we will work on your behalf to help you escape these difficulties. Often, our attorneys can negotiate a lower monthly payment or accept a lump sum payment that is a fraction of your current balance, allowing you to escape a high monthly payment that is taking up much of your disposable income.

In other cases, we can consolidate your debts into a single monthly payment that offers the following benefits:

• A monthly payment that is easy to keep up with rather than juggling multiple bills;
• Paying off all creditors and judgments;
• Ending wage garnishment, threats of lawsuits, and letters or phone calls from debt collection agencies and creditors.

Short Sale for a House

Falling behind on a mortgage can lead to foreclosure, but we can prevent foreclosure proceedings by exploring a short sale. A short sale is where you sell your home for less than what you owe, and the bank settles on the amount. Once the sale goes through, the mortgage lender forgives any remaining amount you may owe on the home.

While a short sale does affect your credit, it offers you a way out from under mortgage payments you can’t afford, and it doesn’t make nearly as serious an impact as a foreclosure does.

Declararse en quiebra

While the idea of filing for bankruptcy may sound intimidating, for many people, it’s the best solution to get out from under many types of unsecured debt.

• Chapter 7 bankruptcy is when a trustee gathers your nonexempt property and assets and sells them, using the proceeds to pay off creditors. While a means test is required to file, this option is a fast way to wipe the slate clean of credit cards, medical bills, and personal loans.
• Chapter 13 bankruptcy restructures your debt, allowing you to keep your home and vehicle while making a monthly payment on your debt that is then distributed to creditors by a bankruptcy trustee. At the end of the three-to-five year repayment period, your eligible debts are discharged.

Deuda fiscal

If you owe back taxes, we can help you set up payment plans or settlement arrangements to help you avoid legal problems or having a lien placed on your property. For older taxes, we can help you get them discharged from bankruptcy.