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CHAPTER 7 & 13 BANKRUPTCY

From $500 +Court Costs

Miami Bankruptcy Attorney

Free Initial Consultation

Call (305) 891-4055

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North Miami Office:

1801 N.E. 123rd St.,
Suite 314

Kendall Office:

8950 S.W. 74th Ct.,
Suite 2201

Jordan E.  Bublick

Bankruptcy Attorney

  • New York University School of Law (LL.M.)

  • Ohio State University College of Law (J.D.)

Free Initial Consultation

Over 8,000 Cases Filed

  • Review your financial and legal situation

  • Review your best options under Chapter 7 or Chapter 13 Bankruptcy

Chapter 7 Bankruptcy

Fresh Start

Discharge Credit Cards and Loans

Chapter 13 Bankruptcy

Save Home From Foreclosure

Reorganize Debt

Mortgage Modification

MMM Program

Save House from Foreclosure

Federal Bankruptcy Laws

The United States Constitution authorizes Congress to enact “uniform Law on the subject of Bankruptcies.” Pursuant to this grant of authority, Congress enacted the Bankruptcy Code in 1978 which governs bankruptcy cases in the United States. Bankruptcy cases are administered in bankruptcy courts with bankruptcy judges in each of the judicial districts across the country. The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure and the Official Bankruptcy Forms.

Types of Bankruptcy

The different types of bankruptcy are usually referred to by their chapter number in the Bankruptcy Code. Individuals may file under Chapter 7, Chapter 13 or Chapter 11 bankruptcy depending on their circumstances. Business may file bankruptcy under Chapter 7 to liquidate or Chapter 11 to reorganize. Family Farmers may file for relief under Chapter 12. Municipalities may file for reorganization under Chapter 9.

“Fresh Start”

One of the principal goals of the Bankruptcy Code is to provide the honest debtor a financial “fresh start” from burdensome debt. The U.S. Supreme Court explained that the purpose of the “fresh start” is to give to the “honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.” This goal is accomplished through the bankruptcy discharge which which releases a person from personal liability from certain types of debt.

Automatic Stay

Upon the filing of a bankruptcy case with the Clerk of the Bankruptcy Court, the “automatic stay” is generally imposed to stay and stop most lawsuits, foreclosures, garnishments, and collection activity against the debtor and their property. Some types of actions, such as certain regulatory actions, are not stayed.

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