Welcome to Miami Bankruptcy
Lawyer
People often file bankruptcy to eliminate:
Credit card debt, Medical bills,
Income taxes older than three years, repossessions,
creditor lawsuits, and other debts;
To stop the constant harassment
by creditors at home and at work;
To stop a foreclosure lawsuit;
To stop wage and bank garnishments;
To reinstate a driver’s license
suspended after an accident;
When you contact my office,
I will help you determine your best option available
and answer all your questions. My name is Richard Birkenwald.
I am a North Miami Beach attorney licensed in Florida
since 1986. My office is centrally located near Aventura,
Sunny Isles Beach, North Miami, Miami Beach, Broward
County, and all of South Florida. As a bankruptcy lawyer
I prepare and file Chapter 7 and 13 consumer and business
bankruptcy cases.
Chapter 7 bankruptcy
is the quickest form of bankruptcy
and can help eliminate most kinds of unsecured debt.
From filing to discharge the process can take less than
four months in many cases. Chapter 13 is advisable for
people who have a regular income and can afford a payment
plan to help stop repossession and foreclosure. Specific
circumstances when it is appropriate to file a chapter
13 bankruptcy are to strip-down second and other junior
mortgages to the level of an unsecured debt when the
market value of a home is less than monies owed on the
first mortgage, and tax reasons. Chapter 13 plans can
last three to five year repayment. As a bankruptcy
attorney I will advise you on which chapter to use.
Some bankruptcy lawyers favor chapter 13. However, unless
there are very specific reasons in your situation to
file a chapter 13, filing a bankruptcy chapter 7 might
be more appropriate. If bankruptcy lawyers advise
you to file a bankruptcy chapter 13, I definitely recommend
you to get another opinion. Experienced and
knowledgeable bankruptcy lawyers will help you make
the right decision for your situation. A bankruptcy
attorney analysis will center on your assets and liabilities,
as well as your income and expenses from all sources.
Bankruptcy fees charged by bankruptcy attorneys can
be lower in a Chapter 7 than a Chapter 13 because of
time and complexity factors.
Immediately, upon filing the petition
by your bankruptcy lawyer an automatic stay goes into
effect provided you have not been involved in the filing
of recent bankruptcy cases. This prevents creditors
from making direct contact with you or staking a claim
to any of your property from the date of filing. Creditors
will be obligated to contact your bankruptcy attorney.
When you contact my office, I will answer questions
as to your options to deal with foreclosure, to reestablish
your credit in as little as two years, to deal with
the repossession of your car, creditors garnishing your
salary and bank account, threatening and harassing phone
calls from collection agencies and credit card companies,
to reinstate your driver’s license immediately
upon filing because of an accident due to lack of insurance,
and to eliminate credit card debt and be debt free.
That is what bankruptcy lawyers can do for you. The
first bankruptcy lawyer consultation is free, and you
will meet with me personally, an experienced bankruptcy
attorney, not with my secretary or a bankruptcy paralegal.
I will examine your financial situation carefully and
advise you as to the best course of action in your situation,
which may or may not include the immediate filing of
a chapter 7 or chapter 13 bankruptcy depending on your
circumstances. My bankruptcy attorney fees are kept
as low as possible and can be paid over a period of
time prior to filing your bankruptcy case. To
prepare effectively for the first interview you are
encouraged to bring the documents listed under “Information
needed”. At our first meeting with your
permission, I will access your credit report, review
relevant public records and websites to determine if
you should file for bankruptcy in Miami, Fort Lauderdale,
or Palm Beach, when to file for bankruptcy, or should
you pursue other options.
I will explain the process,
including the bankruptcy required credit counseling
class you will need to take on the phone or on the internet
before I file your bankruptcy chapter 7 or chapter 13
petition and the bankruptcy financial management class
you will need to take after your case is filed to receive
a bankruptcy discharge. I will review, determine and
explain how debts are dealt with in bankruptcy and which
debts are dischargeable in bankruptcy. I will show you
what your credit score will be a year after filing your
bankruptcy case and ways to reestablish your credit
within two years from filing bankruptcy.
As your bankruptcy attorney
I will answer all your bankruptcy questions,
and you will fully understand all your bankruptcy
options and course of action to follow in order to deal
with your financial problems effectively.
