Chapter 7 Bankruptcy Attorney
— A Real Fresh Start
As a Chapter 7 bankruptcy attorney serving Miami-Dade and Broward, I know that when debt has taken over your life, you’re not alone, and you’re not out of options. Chapter 7 bankruptcy can eliminate qualifying debt entirely, giving you the clean break you need to move forward — without shame, and without losing everything you’ve worked for.
Schedule Your Free Case Review
What Is Chapter 7 Bankruptcy?
Chapter 7 is a liquidation process: your non-exempt assets are managed to satisfy creditors, while the assets you’re allowed to protect — often including your home and vehicle — stay protected. Most qualifying unsecured debt is discharged entirely.
Do I Qualify?
Qualification is based on your household income measured against Florida’s guidelines, your assets, and your financial and ownership history over the last 2–6 years. Filing does not affect a spouse’s individual credit if they don’t file jointly.
What Happens to My Home, Car, and Other Assets?
Florida’s exemption laws protect a range of assets during Chapter 7. We review your full financial picture before filing to make sure everything you’re entitled to keep, stays yours.
How Long Does It Take?
A Chapter 7 case typically takes 4–6 months from filing to discharge.
Filing in Miami-Dade & Broward
Chapter 7 cases for our clients are filed through the U.S. Bankruptcy Court for the Southern District of Florida. We handle the filing and guide you through every requirement along the way.
Frequently Asked Questions
Will Chapter 7 stop wage garnishment and creditor calls?
Yes. Filing triggers an automatic stay, which immediately stops most wage garnishment, collection calls, and lawsuits from creditors.
What is the 341 Meeting of Creditors?
The 341 Meeting is your short Zoom hearing (typically 5–7 minutes) with the bankruptcy trustee
You’ll be placed under oath and asked a few simple questions (majority are yes or no) about your petition, income, and assets
It’s not a trial — no creditors usually appear — and Aimee will be with you the entire time to make sure it goes smoothly
Will Chapter 7 ruin my credit forever?
No. Most likely your credit is already damaged from past due or delinquent debt. Many clients see their credit begin recovering within a few months from the Chapter 7 discharge.
Can I buy a car while in Chapter 7 bankruptcy?
Yes — in most cases, you may qualify for a car loan shortly after filing. Lenders who work with bankruptcy clients typically look at your ability to pay rather than your credit score alone. We have a referral relationship with Ash Auto, a dealership experienced in working with bankruptcy clients, or you’re welcome to explore other bankruptcy-friendly dealers on your own.