Miami Lakes, Florida 33016
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Miami Bankruptcy Attorney, Alberto H. Hernandez P.A.
Miami Bankruptcy Lawyer serving Miami-Dade, Broward and Palm Beach since 1991
I am Alberto H. Hernandez, a Miami Bankruptcy attorney, who specializes in Chapter 7 and Chapter 13 Bankruptcy, Foreclosure Defense, Residential Loan Modifications, and Debt Collection Defense. With more than twenty-two years of experience in these areas of law, I can provide you with practical legal help to ease your stress and to get you back on track financially. My law firm represents clients seeking bankruptcy solutions and loan modification alternatives in the South Florida tri-county area of Miami-Dade County, Broward County and Palm Beach County. At the Law Offices of Alberto H. Hernandez, your consultation is always FREE, so call me today to set up an appointment.
Chapter 7 Bankruptcy
Chapter 7 is a consumer and small business bankruptcy option which can completely erase many types of debts. Credit card debts, medical bills, lawsuit judgments and vehicle repossession deficiencies are amongst the most common debts owed to creditors wiped out in a Chapter 7 bankruptcy.
Chapter 13 Bankruptcy
Chapter 13 is a type of bankruptcy option which involves setting up a 3 to 5 year interest-free debt consolidation repayment through the court system. These bankruptcy repayment plans are for debtors with regular income and are based on what you can afford to pay and not the amounts due to creditors.
I help people find long-term solutions to prevent foreclosure and keep their homes. However, if you have been served with foreclosure papers, I can help you defend the lawsuit by seeking to restructure the loan among other options currently available to homeowners.
Hiring a Debt Relief or Bankruptcy lawyer in Miami
I offer legal services focused on helping individuals and small businesses manage, reschedule or discharge their debts. This is what I have been doing since 1991. As a bankruptcy lawyer, I help people get the debt relief they need with personalized, practical services in a way that protects them. This is something family law, real estate and many other types of attorneys at law do not focus their daily work on. Whether you are seeking Debt Relief or Bankruptcy, the process does not have to be complicated. In either English or Spanish, I will work with you to make sure you understand your options before filing bankruptcy, engaging in litigation, or making decisions in a loan modification negotiation.
Many people worry that if they seek Debt Relief Alternatives or Bankruptcy, they will not be able to get credit in the future, that they will lose everything they own, including their home and vehicle, and their other assets and job. Although none of this is true, bankruptcy is a choice that should be taken seriously, as it more often than not, offers individuals and small businesses in financial distress a way to a fresh start. In fact, there are many Debt Relief or Bankruptcy options available to you, and I can help you determine what the best choice is for you.