Miami Loan & Debt Restructuring Attorney

Get the Debt Relief You Need

Many people facing serious financial challenges look to loan and debt restructuring as a possible solution. They hope to obtain favorable interest rates and a better organized plan for repayment that fits their ability to pay. But, the reality is that often loan and debt restructuring is a temporary fix to a bigger problem.

At Kingcade & Garcia our attorney understands the pressure that a financial crisis puts on individuals and families, and we try to find long-term solutions to help you rebuild from a solid foundation. We know from experience that just moving the same numbers around is rarely going to lead to a solid answer to a tough problem.

Take Charge of Your Financial Future

We understand the hesitation people have asking about whether bankruptcy is the right option and the desire to find options. It's important to know that there are a lot of myths about the process. What you think you know about bankruptcy may not be as true as you believe.

In the long run, debt restructuring may only:

  • Move debt around with no long-term plan
  • Provide little savings or relief
  • Fall apart when creditors decide to change their terms
  • Leave you with the same problems you faced at the start

Alternatively, bankruptcy is designed to be a constructive solution to serious financial challenges. Unlike in debt restructuring programs, under bankruptcy you are protected by the laws of the nation and the state of Florida.

While loan and debt restructuring may be an attractive alternative, it is rarely a lasting solution. Moving your debt around doesn't eliminate it the way Chapter 7 can, or force creditors to hold true to improved terms the way Chapter 13 can. In the end, for many Miami clients, bankruptcy may not only provide a better answer to a tough situation but leave you with a better plan for the future at the end.

Get the Facts, Then Take Action

Before you commit to a loan or debt restructuring plan, be sure you have all the information you need to make a complete decision. Contact our Miami bankruptcy firm for a free, no obligation consultation with an experienced lawyer to find out all the options you have.