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Bankruptcy

We help you find real financial peace of mind.

Call experienced bankruptcy attorneys.

We understand that debt can accumulate for reasons beyond your control: job loss, illness, unexpected expenses, or simply tough financial times.
We are here to provide you with clear legal solutions — without trials, without complications, just results. We guide you step by step so you can regain your financial stability and start fresh with confidence.

Protection against garnishments and foreclosures 

Elimination of unsecured debts

Customized payment plans

Guidance to stop creditor calls

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Do you feel overwhelmed by your situation? You don’t have to face it alone.

At Héctor Hernández & Associates, P.A., we help clients from all walks of life in various financial situations. In general, there are two main types of bankruptcy. The right option for you will depend on your specific circumstances and goals.

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What type of bankruptcy solution is right for you?

Liquidation Bankruptcy (Chapter 7):

We primarily help clients file for bankruptcy under Chapter 7. With this type of bankruptcy, individuals — even small business owners — can seek to discharge credit card debt, medical bills, and other types of loans. The process takes only about 90 days to complete. Once the discharge is approved, individuals are released from most of the debt they may have been carrying for years.

In some cases, Chapter 13 bankruptcy may be a better option, especially for homeowners. Under Chapter 13, a person’s debt load is restructured. A monthly payment plan is established, through which the individual makes payments as determined by a bankruptcy trustee, over a period of three to five years. There are important differences between Chapter 13 and Chapter 7, with advantages and disadvantages for each. At Héctor Hernández & Associates, P.A., we can provide you with guidance on the best bankruptcy option for your situation.
If you are facing daily harassment from creditors, wage garnishments, or foreclosure proceedings, contact an experienced bankruptcy attorney for help. We can assist you in restoring your financial future and working to improve your life. Our attorneys have helped thousands of people in similar situations. Let us help you too.

Faq’s

Frecuently asked questions

What types of bankruptcy are there, and which one is right for me?
There are two main types of bankruptcy: Chapter 7 and Chapter 13. Chapter 7 generally cancels most debts, while Chapter 13 allows you to reorganize your debts and make payments over a period of time. The best option for you will depend on your income, assets, and type of debts. Our bankruptcy attorneys can evaluate your situation and recommend the best option.
The possibility of keeping your home in bankruptcy depends on the type of bankruptcy you choose and your specific circumstances. In some cases, it may be possible to keep your home if you are current on your mortgage payments or if you can catch up on any missed payments through a payment plan.
The length of time a bankruptcy remains on your credit report varies depending on the type of bankruptcy. A Chapter 7 bankruptcy generally remains on your credit report for 10 years, while a Chapter 13 bankruptcy remains for 7 years.
Yes, it is possible to file for bankruptcy if you own a business. Chapter 7 bankruptcy can liquidate your business assets to pay creditors, while Chapter 13 may allow you to reorganize your business debts and continue operating.
Tax debts cannot always be discharged in bankruptcy proceedings. However, there are exceptions and the possibility of negotiating a payment agreement with the Internal Revenue Service (IRS). It is important to consult with our attorneys to determine how your taxes will be treated in your specific case.

Why choose us?

We stand out

At Héctor Hernández & Associates, P.A., our team of dedicated professionals is committed to providing quality service and proven results—no matter the legal challenge you face.

Immigration

Our immigration attorneys assist clients with visas, permanent residence, citizenship, and deportation defense, guiding them through every step of the legal process.

Bankruptcy

We help individuals and families facing overwhelming debt eliminate or reorganize financial obligations through Chapter 7 or Chapter 13 bankruptcy.

Personal injuries

We represent individuals injured in accidents, protecting their rights against insurance companies and responsible parties.

Real estate

We provide legal guidance for residential and commercial real estate transactions, including purchases, sales, refinancing, and property closings in Florida.

Contact us!

We're here to help you with any legal matter.

Our offices

Miami, 7480 SW 40th Street, Suite 450, FL 33155

West Palm Beach 8461 Lake Worth Road, FL, 33467 (The Nexus)

Phone numbers

(+1) 305-406-3424

(+1) 561-577-9435

Hours

Monday to Friday: 9:00 AM to 6:00 PM 
Saturday and Sunday: Closed