Miami Bankruptcy Attorney

Our bankruptcy lawyers help you get the relief you need to help you get your financial situation back in order.

Your Experienced Miami Bankruptcy Lawyer

Led by top rated bankruptcy attorney Robert Stiberman, your success is our main goal . Stiberman Law has been serving Miami Dade for the last 15 years.

Robert Stiberman is a University of Miami Law School Graduate as well as a UM Alumni. Robert is one of the top bankruptcy attorneys in South Florida with a track record of success to prove it. Both Robert and office team consistently receive positive reviews for their hard work.

Our Bankruptcy Attorneys In Miami Can Help You

To help you with your debt situation, our committed Bankruptcy Attorneys are ready to represent you, presenting you with the best options to get you back on your feet.

What is it like working with  bankruptcy attorney Robert Stiberman?

At Stiberman Law we focus on bankruptcy and practice primarily in the Bankruptcy Court for the Southern District of Florida. Miami cases are heard in the Miami Division where we appear on a regular basis. We are familiar with the Local Rules specific to this court which is critical to the best possible outcome of your case.

Your case matters and this is how we work:

1. A free consultation to see how we can help and if bankruptcy is right for you.
2. Affordable fees and flexible payment plans. We understand you are facing financial issues and our fees and payment plans take that into consideration.
3. We always keep you informed and  will answer your questions immediately.
4. We file your case electronically, sometimes the same day.
5. You will receive your case number and post filing instructions minutes after we file your case.
6. We are ready to meet with you in two Miami offices (Kendall and Coral Gables) as well as in our Broward and Palm Beach County locations.
7. We are fluent in English and Spanish. Hablamos Español.
8. Our team will work towards your best possible outcome. Your legal issue is our top priority.

What to look for in a Miami bankruptcy attorney?

You are facing financial issues and are looking for a rated bankruptcy lawyer near that can  understand your  problems and offer you sound legal options. You are seeking solutions to your debt issues and want to find the best bankruptcy attorney in the Miami area.

Level of Experience

Experience is one of the most important things to look for when comparing Miami bankruptcy lawyers. The Bankruptcy Code is complex,  and it takes years of practice to master.

A bankruptcy lawyer’s knowledge comes from through years of practice representing clients and appearing in court, rather than from law school or reading up on the subject .

Things to look for concerning a bankruptcy attorney’s experience:

• How many bankruptcy cases has the attorney filed? You want an attorney who has successfully represented at least 1000 clients. You don’t want to be the first!
• How long has the lawyer been practicing in the area of bankruptcy law? Look for a minimum of five to 10 years of practice in Miami.
• What is the lawyer’s success rate in getting debts discharged? As about success rates in getting cases discharged.

Regularly Practices Bankruptcy in your Area

Miami Dade County residents filing bankruptcy in the Southern District of Florida will be assigned to the Miami Division of the Bankruptcy court.

Although bankruptcy is Federal Law, you must also comply with the Court for the Southern District of Florida’s Local Rules and forms. Failure to abide by these rules can result in your case being dismissed.

Additionally, since a bankruptcy Trustee will administer your  case, it is extremely helpful for an attorney to be familiar with the Miami Trustee’s guidelines and procedures. An experienced attorney will have years of experience in front of your Miami chapter 7 or 13 bankruptcy.

Credentials

In addition to being a licensed Florida attorney, a bankruptcy lawyer must be admitted to practice in the Bankruptcy Court for the Southern District of Florida. Look of attorneys in good standing with the Florida Bar  and check their credentials. 

Recognition, Reviews, and Ratings

Read more than review to have a more accurate  picture. Look for at least a 4.5 star rating  and see if there is a trend in positive experiences.

Accreditation form third party sites such as Avvo is a good things for your attorney to have.

Office Locations

It’s a good idea for your attorney to have an office near you so you can meet, see where they work,  and quickly drop off documents when needed.

Personality, Communication, and People Skills

You should feel comfortable in working  with your bankruptcy lawyer.

Filing for bankruptcy requires interaction with your attorney and office team. You are facing difficult times and deserve to deal with competent and compassionate people.

 Language Skills

If English is not your first language, make sure the attorney or staff speak your language. At Stiberman Law , hablamos Español.

Other Factors

Even though there is nothing wrong with a lawyer working on his own,  bankruptcy has many moving parts and having more than one person working on your file can ensure the works gets done in a professional and timely manner.

Bankruptcy involves time sensitive activities such as dealing with court deadlines, interacting with your Trustee, and meeting deadlines. A good team can make all the difference in the world.

Why do you need a bankruptcy attorney?

Although individuals can choose to file for bankruptcy without a lawyer, or pro se, because bankruptcy is complex and can involve the loss of property,  here is a detailed analysis as to why you need a bankruptcy attorney.

A bankruptcy attorney will determine if bankruptcy is right for you?

A Stiberman Law bankruptcy lawyer at will review your debts and liabilities, assets, financial history, and  before recommending if bankruptcy is right for you. In many cases we recommend other options.

Our Miami bankruptcy attorney will examine the extent of your debt you have and the pros and cons of filing.

Which of my debts can be discharged in bankruptcy? What about Student Loan Debt?

What debts can be discharged in bankruptcy or debt discharge is critical to see if bankruptcy is right for you. We will obtain a credit report to ensure we don’t miss any debts. The attorney will then review with you if you have any secured  debts such as mortgages or car loans, tax debts, and what debts can be discharged. We will also discuss how it will affect your credit score.

A Miami Bankruptcy Attorney will explain the differences between Chapter 7 and 13

The right chapter can help you save money, your property, and reach your goal.  In contrast,  filing the wrong bankruptcy can have serious consequences, including the loss of property.

A Stiberman Law bankruptcy lawyer will explain chapter 7 vs chapter 13 bankruptcy and recommend what is best for you.

Creditor harassment,  credit card lawsuits, wage garnishments,  and overwhelming debt are many of the issues are our clients face before filing bankruptcy wit our firm.

Chapter 7 bankruptcy Miami

Most people file Chapter 7  to eliminate unsecured debt such as credit card debt, medical bills, or debts resulting from lawsuits or civil judgments.

You must pass a means test to file Chapter 7 which determines if you have the ability or “means” to pay your debts. Chapter 7 bankruptcy takes on average 90 days from start to completion. In emergency cases we sometimes file your bankruptcy the same day we are hired.

chapter 13 bankruptcy

Chapter 13 is a reorganization bankruptcy where you can protect your property and eliminate up to $2,750,000 in debt . Robert Stiberman, a Miami chapter 13 lawyer,  will discuss with you in detail if Chapter 13 bankruptcy the best bankruptcy for your situation.

Unlike Chapter 7, in Chapter 13 you can catch up on past due mortgage payments, get current on car payments, and often reduce your car payments.

Will I lose my car in bankruptcy? A Bankruptcy attorney will explain what property you can keep

Florida bankruptcy exemptions are used to determine if any of your property will be affected when you file bankruptcy and how to protect it. Florida has some of strongest exemptions in the country . Exemptions  are not automatic and they must be claimed.

Steps before filing bankruptcy

A Stiberman Law bankruptcy lawyer at  will detail which documents you need and steps you need to take. We do all the heavy listing and take care of your legal representation.

Gathering all the documents

We will provide you with a list of documents the attorney needs for your bankruptcy. These typically include: pay stubs or profit and loss statement, last 6 months of bank statements, Tax returns and  and other documents based on your case.

Complete a credit counseling course

Before filing bankruptcy you must complete a credit counseling course by an approved agency. We work with many agencies and will connect you with approved providers .

Prepare you bankruptcy petition, forms, and schedules

You are required to accurately prepare and submit around 23 official federal forms when filing bankruptcy. Miami, Florida residents filing in the Southern District of Florida, must file local forms as well. As local bankruptcy lawyers we understand how to file bankruptcy and comply with all Miami Division strict  requirements and guidelines.

Collect your filing fee and costs

2022 Bankruptcy filing fees:

• Chapter 7 $388
• Chapter 13 $313
• Chapter 11 $1,7388

The filing fees do not include costs of $150.  We can prepare an application to pay the fee in installments or to seek to waive the fee if applicable.

What happens after you file for bankruptcy?  Next steps towards your financial freedom.

We will guide you step by step , attend all court hearings, and always keep you informed. You will have the peace of mind of having an experienced team by your side so that can comply with all legal requirements and have the best possible outcome.

The costs of hiring a bankruptcy attorney in Miami Florida

One of the main questions people ask is how much will it cost me to file for bankruptcy and can I afford it? Based on our research, if  you are filing for Chapter 7 Bankruptcy in Miami, Florida you can expect the fees to be in the neighborhood of $1500.

At Stiberman Law we have been able to reduce costs and present you with affordable rates and payment plans. We understand our client’s financial challenges and strongly believe that cost should not be an obstacle when filing for bankruptcy.

Plan today for a better tomorrow. Schedule a free consultation with an experienced bankruptcy lawyer in Miami.

Our bankruptcy lawyers help you get the relief you need to help you get your financial situation back in order.

Your Experienced Bankruptcy Lawyer

Robert Stiberman is a top rated Bankruptcy lawyer serving Miami-Dade. His law firm, Stiberman Law, is comprised of a team of experienced Bankruptcy attorneys with a proven track record of working in the law industry.

Our Bankruptcy Attorneys In Miami Dade County Can Help You

To help you with your debt situation, our committed Bankruptcy Attorneys are ready to represent you, presenting you with the best options to get you back on your feet.