We are a Miami bankruptcy law firm that also works as a Foreclosure Law Firm. We have many clients who live in Miami-Dade County & North Miami Beach, because of our south Florida location. However, bankruptcy laws are Federal not state or county laws and as a result we sometimes get clients throughout the State of Florida.

There are two types of foreclosure, Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Most of the people we help didn't decide one day to file for bankruptcy. Often they feel ashamed and embarrassed by their financial situation. It seems that most people are honest hard working normal people living in Miami who want to pay all of their bills. Unexpected things come up in life that are unpredictable and unavoidable. You didn't plan to get sick, you didn't plan to lose your job, you didn't plan to have medical bills accumulate but when these things happen people often don't know where to turn for help. None of us wanted to see unemployment rates so high or to see the stock market so low. These things in life weren't caused by you and there was nothing you could have done to prevent the financial problems from taking place.

If you lost your job or got behind due to an accident or illness you have found that the mortgage payment, credit card bills still arrive monthly and our car payments are still due. When times are tough people begin to live off their credit cards based upon the good credit they've built up over the years. They will take what money they have and juggle it in an attempt to pay something to all the creditors that they owe. Finally the day comes when no amount of juggling will help and bill payments are missed. Many people feel a great deal of stress over this situation and marriages break up. Let's take a deep breath and gather our thoughts together and come up with a plan.

When you work with a debt lawyer or a bankruptcy attorney then the stress starts to go away because you'll discover that there are options.

It is not a state by state decision on what to do when people can't pay their bills. This is why the Federal bankruptcy laws were created, to help people facing foreclosure, mounting credit card debt and other financial problems.

It is not your fault, it's the economy! Let's chat!

Please click here if you would like to have a free, no cost or obligation consultation with a Miami bankruptcy attorney.