You Have the Choice to Take Back Control of Your Financial Future.
  1. Home
  2.  → Bankruptcy Overview

Let Us Help You Understand Your Options For Debt Relief

Many people from all walks of life struggle with debt management. Doctors, office workers, secretaries, construction workers, small-business owners and countless others — for various reasons — have found themselves overwhelmed by debt.

At Kingcade Garcia McMaken, we handle more than 1,000 bankruptcies every year for clients in Miami, Florida, from all walks of life in many different financial predicaments.

Typically, there are two main types of bankruptcies available. Which option is right for you will depend on your circumstances and goals.

Chapter 7 Bankruptcy: This Option Might Be Right For You

We primarily help clients file for Chapter 7 bankruptcy. 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 as little as 90 days to complete. Once the discharge is approved, individuals walk away free and clear of much of he mounting debt they’ve likely been carrying for years.

Chapter 13 Bankruptcy: An Alternate Option

In some cases, Chapter 13 bankruptcy may be a better option, particularly for homeowners. Under Chapter 13, a person’s debt load is restructured. A monthly payment plan is setup whereby the individual makes monthly payments, as determined by a bankruptcy trustee, over a three to five year period.

There are important differences between Chapter 13 and Chapter 7, with benefits and drawbacks to each. At Kingcade Garcia McMaken, we can offer guidance on the best bankruptcy option for your situation.

Learn More About Common Questions About Debt And Filing For Bankruptcy

You likely have many questions as they relate to your debt, your property and your situation. Visit the links below to learn more about:

Take Back Control Of Your Financial — And Emotional — Well-Being

If you are facing daily creditor harassment, wage garnishments or foreclosure proceedings, reach out to an experienced Miami bankruptcy attorney for relief.

We can help you restore your financial future and work to better your life. Our lawyers have helped thousands of individuals in your same situation. Let us help you.

Call 305-285-9100 today, or send us an email.

Free consultations. Hablamos español.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Best Business of 2024 | ThreeBest Rated | Excellence
Avvo Clients' Choice Award 2024 | Timothy S. Kingcade | 5 Star
Rated By | Super Lawyers | Timothy S. Kingcade | SELECTED 2014-2017 |
Florida Trend's Florida Legal Elite | 2018
2019 Top 3 Bankruptcy Lawyers in Miami | Three Best Rated
Avvo Rating
Top Contributor Award 2024 | Timothy S. Kingcade | Avvo
Martindale-Hubbell | AV Preeminent | Peer Rated For Highest Level of Professional Excellence | 2021
Martindale-Hubbell | Client Champion Platinum / 2021
Super Lawyers 2021
2022 Top 3 Bankruptcy Lawyers in Miami | Three Best Rated
BBB A+ Rated Accredited Business
Findlaw | Kingcade Garcia McMaken | out of 22 reviews | Best Bankruptcy Lawyers in Miami | 2021