You Have the Choice to Take Back Control of Your Financial Future.

Timothy S. Kingcade

  • Managing Shareholder, 1996
Miami, FL

Timothy S. Kingcade founded the law firm of Kingcade & Garcia, P.A., in 1996. Today, he and his firm handle more than one thousand bankruptcy filings each year. As Managing Shareholder of Kingcade & Garcia, P.A., Timothy and his firm represent clients throughout the State of Florida in Chapter 7 bankruptcy, foreclosure defense, personal injury and PIP claims. To compliment Attorney Kingcade's extensive legal experience, he is also a certified public accountant (CPA), which provides him with a unique understanding of how to handle tax-motivated bankruptcy cases against the IRS.


  •  In re Sernaque, Debtor. 311 B.R. 632

Case Conclusion Date: June 14, 2004

Practice Area: Chapter 7

Outcome: CitiFinancial's Motion for Summary Judgment will be denied and the Court will set a further hearing to determine the scope of proceedings necessary to determine the sufficiency of service and notice.

Description: Chapter 13 debtor moved to strip off junior homestead mortgage based on zero valuation placed on mortgagee's secured claim in debtor's confirmed plan, and mortgagee moved for relief from order confirming plan.

  • In re Jean, 306 B.R. 708

Case Conclusion Date: February 20, 2004

Practice Area: Bankruptcy

Outcome: The prior Confirmation Order stripping off MERS mortgage is not entitled to res judicata effect in this case. Debtor's Objection to MERS' Proof of Claim is overruled, and MERS' Objection to Confirmation is sustained.

Description: Chapter 13 debtor objected to proof of secured claim filed by junior mortgagee (MERS': Mortgage Electronic Registration Systems, Inc.), on ground that lien securing mortgagee's claim had been stripped off by order confirming plan proposed by debtor in previous Chapter 13 case, and mortgagee objected to confirmation of plan proposed by debtor to current case.

  • In re Baez, 244 B.R. 480

Case Conclusion Date: January 20, 2000

Practice Area: Bankruptcy

Outcome: The Court finds, as a matter of law, in a Chapter 13 case, the Debtors are permitted to "strip off" a completely unsecured mortgage encumbering their principal residence.

Description: The Debtors owned homestead real estate worth $48,680.00. The Property was encumbered by three mortgages. The first mortgage had a balance of $60,300. A second mortgage was approximately $20,733.80 and is completely unsecured. The third mortgage has a balance of approximately $21,841.42 and likewise completely unsecured according to the Debtors. Since the value of the Property secures only the first mortgage, the Debtors sought to "strip off" the second and third mortgage.

  • Monzon, 214 B.R. 38

Practice Area: Chapter 7

Outcome: The TBE Property is not exempt under Statute 522(b) (2) (B) of the Bankruptcy Code to the extent of the joint secured debt and the $378.00 joint unsecured Burdines debt.

Description: Chapter 7 trustee filed renewed objections to claimed exemption in property held by debtor and his non-debtor spouse as tenants by the entirety. The Bankruptcy Court, Robert A. Mark, J., held that: (1) trustee could not seek to administer entireties property if only joint debt of debtor and non-debtor or spouse was secured debt against the property; (2) joint debt did not have to be reduced to judgment to subject entireties property to administration by trustee; (3) while trustee could administer entireties property to extent of debtor's and non-debtor spouse's joint debt, any excess proceeds from property's liquidation remained exempt; and (4) once nonexempt entireties property was liquidated, proceeds were available only to joint creditors and debtor and non-debtor spouse, and were not shared pro rata with debtor's individual creditors.

  • In re Juliet Bright, Debtor. (United States Bankruptcy Court, S.D. Florida) No. 03-23032-BKC-RBR. Jan. 11, 2005 ORDER GRANTING DEBTOR'S MOTION TO REOPEN CASE AND REDEEM COLLATERAL

Background: This matter came before the Court on the Motion by Debtor Juliet Bright to re-open her case and redeem collateral of Tropical Financial Credit Union claimed as exempt. The debtor listed the 2000 Toyota Camry in the original petition with a value of $6,490.00 as of April 14, 2003.

Conclusion: The Debtor's motion to reopen the case and redeem is proper. Therefore, it is ordered that Debtor may reopen and redeem the Toyota Camry. However, the redemption must be at the value the Debtor placed on the Toyota as of the date the petition was filed, April 28, 2003, which was $6,490.00. The Debtor may not attempt to redeem the value the Debtor attributed to the Toyota in October 2003 of $5,000.00.

  • In re: Jaime Ensenat and Natalia Ensenat, Debtors. (United States Bankruptcy Court, S.D. Florida) No. 06-15979 BKCLMI. Filed Nov. 17, 2006. Discharged Feb. 22, 2007. ORDER OVERRULING TRUSTEE'S OBJECTION TO DEBTORS' CLAIM OF EXEMPTIONS

Background: This matter came before the Court on March 26, 2007 on Trustee's Objection to Claimed Exemption and Motion to Compel Turnover filed by Marcia Dunn, the Chapter 7 Trustee in the case. The Trustee challenges the Debtors' entitlement to a homestead exemption on a partially detached unit on their property. The Trustee's objection alleged the residence was a duplex, but at the trial acknowledged that there were actually two separate structures, joined by a roofed patio. Through the years the Ensenats have allowed family members emigrating from Cuba to live in the second building. The Debtors never rented the second building. The second building was occupied at the time by Mrs. Ensenat's niece, the niece's young son and the niece's boyfriend. In the case the Trustee argues that, although the Debtor has not previously rented the separate building, and is not presently renting the separate building, because the building could be rented, the homestead protection should not be afforded to the separate building.

Conclusion: While Mrs. Ensenat's niece, son and boyfriend may not qualify as the Debtors' "family" for purposes of the Florida homestead exemption, the Debtors, nonetheless are entitled to claim the homestead exemption for the entire residence, including the second building in which the niece and her family reside, because the structure in which they reside is part of the property that falls within the protections of the constitutional homestead guidelines and is not used for a business purpose.

  • In re: Yelitza Ortiz, Debtor. (United States Bankruptcy Court, S.D. Florida, Broward Division) No. 06-16243-BKC-RBR. Filed Nov. 30, 2006. Discharged March 12, 2007. MEMORANDUM OPINION VALUING COLLATERAL FOR PURPOSE OF REDEMPTION

Background: This matter came before the Court for evidentiary hearing on February 22, 2007, on the Debtor's Motion to Redeem Collateral and the Response of Ford Motor Credit Company (FMCC). The debtor entered into a retail purchase agreement for a 2005 Ford Focus. FMCC holds a valid lien on the car. The car, in its current state, is not in retail condition and requires extensive repairs and maintenance. Prior to the changes made by BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005), case law in the Eleventh Circuit supported the position that the value was the wholesale value on the date of the hearing.

Conclusion: The Court notes FMCC's position that the valuation should be the retail value of the same make and model car less the wholesale cost of repairs. This position is based on the fact that Ford can repair cars for much less than retail public. As such, they argue that only this deeply discounted cost of repairs should be taken into account. The Court declines to adopt this approach. The statute clearly makes the price the retail buying public pays standard for the replacement value. This same standard should apply when taking into consideration "age and condition," which form the data inputs used in determining the ultimate replacement value. Thus, the Court will use the retail repair value for its deduction.

  • In re Stacey Benedetti, Debtor. (United States Bankruptcy Court, S.D. Florida, Miami Division) No. 06-13003-BKC-AJC. July 13, 2007.

Background: United States Trustee (UST) moved to dismiss debtor's Chapter 7 case, as presumptively abuse under properly performed "means test" calculation. Specifically, the UST objected the "means test" calculation performed by the debtor, on ground that the debtor had improperly deducted vehicle lease payments on a motor vehicle that she intended to, and actually did, surrender.

Conclusion: The Court finds that the plain meaning of the statute requires debtors to use the expenses in effect as of the petition date, allowing them to deduct average monthly payments for secured debts, despite the fact that they have surrendered or will surrender the collateral securing those debts. Accordingly, the Court will allow, for purpose of the means test calculation, a deduction from CMI for amounts that would have been due, but which the debtor may not pay, to secured creditors on account of property she intends to, and fact does surrender after the petition date. Ordered and adjudged that the UST's Motion is denied.

  • In re Sybil Todd, Debtor. Marika Tolz, Chapter 7 Trustee. Plaintiff v. Vincent Miller, Defendant. (United States Bankruptcy Court, S.D. Florida, Fort Lauderdale Division) No. 06-16898-BKC-JKO. Adversary No. 07-01149-JKO-A. July 16, 2008.

Background: Chapter 7 trustee brought adversary proceeding, asserting claims to avoid and recover alleged fraudulent transfer. Trustee moved for partial summary judgment and transferee cross-moved for summary judgment.

Conclusion: A fraudulent transfer claim based on intentional fraud, is illusory. That is, you cannot intentionally defraud your creditors by transferring something in which you have no economic interest. The debtor's transfer of the Real Property to the Millers' son resulted in no changes as to the value of the Debtor's estate. It is for these reasons the summary judgment as to Count II must be granted in favor of the Defendant. Accordingly, it is ordered that the Plaintiffs Motion is denied in full and the Defendant's Cross Motion is granted in full.


  • "Tips for Filing Bankruptcy" by Timothy S. Kingcade- Published on April 20, 2010
  • "Underwater on your Mortgage? You have Options" by Timothy S. Kingcade- Published on September 11, 2011.
  • "Drowning in Student Loan Debt? There is an option, but only if you qualify" by Timothy S. Kingcade- Published on September 11, 2011.


Areas Of Practice

  • Bankruptcy Law
  • Foreclosure & Alternatives
  • Chapter 7 Bankruptcy
  • Foreclosure Defense
  • Exempt Property
  • Personal Injury & PIP Claims

Litigation Percentage

  • 100% of Practice Devoted to Litigation

Certified Legal Specialties

  • Certified Public Accountant, State of Florida, 1991

Bar Admissions

  • Florida, 1996
  • U.S. District Court Southern District of Florida, 1996
  • U.S. District Court Middle District of Florida, 1996
  • U.S. District Court Northern District of Florida, 1996
  • U.S. Court of Appeals 11th Circuit, 1996
  • U.S. Court of Appeals Federal Circuit, 1996
  • U.S. Court of Federal Claims, 1996
  • U.S. Tax Court, 1996


  • Stetson University College of Law, Gulfport, Florida
    • J.D.
    • Honors: cum laude
  • University of South Florida, Tampa, Florida
    • B.A. - 1986
    • Honors: cum laude
    • Major: Accounting
    • Major: Finance

Published Works

  • Sign of better times: Bankruptcy filings plunge in Broward, Sun-Sentinel, 2013
  • Extreme Home Takeover, Miami Herald, 2013
  • New bankruptcy cases plunge 19% from year ago in S. Florida, Sun-Sentinel, 2013
  • Rapper Takes Naive Chick for Bankruptcy Ride!, Miami Herald, 2013
  • More South Floridians file for bankruptcy, Sun-Sentinel, 2012
  • South Florida Bankruptcy filings fall again, Sun-Sentinel, 2012
  • Bankruptcy Filings Fell in 2011, Sun-Sentinel, 2012
  • Bankruptcies Fall Last Month after Jumping in October, Sun-Sentinel, 2012
  • Settlement with Bankrupt Tenant Spares Landlord Jail Time, DBR, 2012
  • Bankruptcies fall 21 percent in August, Sun-Sentinel, 2011
  • Florida hasn’t cracked down on rogue debt collectors , Orlando Sentinel , 2011
  • South Florida Bankruptcies up 40% in 2010, Sun-Sentinel , 2011
  • South Florida Bankruptcy Filings Fall 19 percent, Sun-Sentinel, 2010
  • Developer Meruelo Sues Ocean Bank over No Construction Loan, South Florida Business Journal, 2010
  • Lawyers create magazines, books to build credibility, gain clients Read more: Lawyers create magazines, books to build credibility, gain clients, South Florida Business Journal, 2010
  • Ex-CEO of Lehman Bros. deeds house to wife, Star Tribune, 2009
  • After Bailout, Lavish Spending Lives On, CBS News, 2009
  • Disgraced Lehman's boss 'sold' $13m Florida mansion to wife for $100 just two months after bank collapsed with $613bn debts, Daily Mail World News, 2009
  • If government gets way, Ruth Madoff gets nothing, The Meridian Star, 2009
  • Seniors coming out of retirement to make ends meet, TC Palm, 2009
  • Sinking home prices, lost jobs fuel rising bankruptcy rate in Florida, Miami Herald, 2009
  • More Senior Citizens Forced to Declare Bankruptcy, TruthOut, 2009
  • Trust Fund Recovery Penalty: Personal Liability for an Employer's Failure to Pay Employees' Withholding to the IRS, Florida Bar Journal, LXX Vol. 9, October, 1996

Representative Cases

  • In re Sernaque, Debtor, 311 B.R. 632, 2004
  • In re Jean, 306 B.R. 708, 2014
  • In re Baez, 244 B.R. 480, 2000
  • Monzon, 214 B.R. 38
  • In re Juliet Bright, Debtor, 03-23032- BKC-RBR, 2005, United States Bankruptcy Court, S.D. Florida
  • In re: Jaime Ensenat and Natalia Ensenat, Debtors, 06-15979 BKCLMI, 2006, United States Bankruptcy Court, S.D. Florida
  • In re: Yelitza Ortiz, Debtor, 06-16243-BKC-RBR, 2006, United States Bankruptcy Court, S.D. Florida, Broward Division
  • In re Stacey Benedetti, Debtor, 06-13003-BKC-AJC, 2007, United States Bankruptcy Court, S.D. Florida, Miami Division
  • In re Sybil Todd, Debtor. Marika Tolz, Chapter 7 Trustee. Plaintiff v. Vincent Miller, Defendant, 06-16898-BKC-JKO. Adversary No. 07-01149-JKO-A., United States Bankruptcy Court, S.D. Florida, Fort Lauderdale Division

Honors And Awards

  • Florida Super Lawyer
  • AVVO Client’s Choice Award
  • Martindale-Hubbell Client Distinction Award
  • Martindale-Hubbell / Lexis Nexis AV-rated
  • South Florida Movers & Shakers Award
  • “4th in Nation for the Number of Ch. 7 Cases Filed in 2010 in the Southern District of Florida” by 722 Quarterly

Past Employment Positions

  • United States Bankruptcy Court, Middle District of Florida, Hon. Alexander L. Paskay, Chief Judge, Judicial Intern, 1990 to 1991


  • Spanish
Timothy S. Kingcade

Kingcade . Garcia . McMaken | Bankruptcy Attorneys
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