I am Alberto H. Hernandez, a Miami Bankruptcy Attorney, who focuses on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure Defense, Residential Loan Modifications, and Debt Collection Defense. With more than twenty-seven 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 debt relief 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 Hernandez, your consultation is always FREE, so call me today to set up an appointment.
Chapter 7 bankruptcy is a consumer bankruptcy option which can completely erase many types of debts. Many types of debt like credit cards, medical bills, lawsuit judgments and vehicle repossession deficiencies are among the most common debts owed to creditors wiped out in a Chapter 7 bankruptcy.
Chapter 13 bankruptcy is a type of bankruptcy option which involves setting up a 3 to 5-year interest-free debt consolidation repayment through the federal 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.
At aHernandezLaw.com we help people find long-term solutions to stop 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 South Florida homeowners.
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 in Miami, 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 a chapter 13 or chapter 7 bankruptcy case, 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 loan modification 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 options available to you, and I can help you determine what the best choice is for you. If you are facing financial hardship that seems overwhelming, it is important to understand that there is help. You not only have rights but options that can allow you to take back control of your finances.
Although the economy is recovering for some many are still struggling with student loans, wage garnishment and even foreclosure! So, what are you waiting for call the office of the Miami Bankruptcy Attorney Alberto H. Hernandez P.A. Today! Our law firm specializes exclusively in bankruptcy and foreclosure defense cases, and over the years we have built a reputation for delivering effective and reliable debt relief solutions to clients from all walks of life.
Law Office of Alberto H. Hernandez, P.A.
8181 NW 154th Street, Suite 112
Miami Lakes, Florida 33016