Bankruptcy is a tool. Used well, it resets a life.
Consumer and business bankruptcy filings, creditor harassment defense, and foreclosure-related Chapter 13 reorganizations.
Jump to a specific Bankruptcy matter
Bankruptcy — full scope.
Bankruptcy law is highly procedural — means tests, schedules, statements of financial affairs — but the outcome is practical: a stop to collection, a plan for obligations, a future.
The numbers behind the practice.Every figure sourced.
If any of these is true — call today.
Deadlines, evidence, and witness memory degrade fast. The first conversation is free.
Start Your ReviewA creditor sued you
A civil judgment becomes a lien on property. Filing before judgment is different from filing after.
Foreclosure sale is scheduled
A Chapter 13 filing imposes an automatic stay that halts the sale.
Wages are being garnished
Filing stops most garnishments immediately.
Calls from collectors are constant
FDCPA protects you — and the filing ends it.
The measurable benefits of being represented.
The automatic stay stops collection
The moment a petition is filed, 11 U.S.C. § 362 imposes a stay that halts lawsuits, garnishments, foreclosure sales, and collection calls.
Florida homestead is a shield
Properly claimed, your primary residence is fully protected in most Florida filings.
What makes this our practice.
Every practice area is led by an attorney who actually litigates in that space — not a generalist borrowing time.
Pre-filing analysis: we model Chapter 7 vs. 13 outcomes before you file.
We stop creditor harassment the day you retain us.
Business and consumer filings both handled.
Answers that cite the statute.
Will I lose my house?
In most Florida filings, no. The homestead exemption is unlimited in value (limited in acreage), provided the property qualifies.
Can student loans be discharged?
Federal student loans are discharged only under a hardship standard that, as of 2022 DOJ guidance, has become more accessible. Private student loans follow different rules.
Bankruptcy, explained on camera.
Short, plain-language explanations of the questions we answer most often. Full library lives on YouTube.
4.9 stars across 2,200+ reviews.
“They treated me like family. Recovered more than I thought possible and they did it in Spanish when I couldn't do it in English.”
“We were facing deportation and lost. Maria walked us through every filing. Today we are legal permanent residents.”
“The construction company denied everything. Gallardo's team had the medical records, site photos, and depositions lined up. We settled for more than double the original offer.”
Reviews sourced from clients who agreed to share. Representative examples — individual results vary by case.
Verdicts & settlements.On the record.
Every case is different — but a track record is a track record. These are real recoveries for real clients.
Jury verdict in a multi-defendant catastrophic injury matter tried in Miami-Dade County.
Pre-suit settlement on behalf of a visiting family injured on a chartered vessel.
Settlement against a national trucking carrier for I-95 rear-end collision injuries.
Prior results do not guarantee a similar outcome. Each case is evaluated on its facts, jurisdiction, and applicable law.
No obligation.No fee unless we win.
Tell us briefly what happened. An attorney — not an intake screener — will review the facts and reach out within one business hour. English or Español.
Collection calls, judgments, garnishment? Let's talk about a reset.
There is no fee for the consultation and no obligation. Speak with an attorney — not an intake screener.