About Abogado Fuentes / Fuentes Law Firm, P.A — Bankruptcy Miami, Florida
Fuentes Law Firm offers bankruptcy Miami residents depend on, covering Chapter 7 liquidation and Chapter 13 repayment plans for individuals throughout Miami-Dade County. The firm serves clients in both English and Spanish from its office at 8900 SW 107 Avenue in Miami, handling personal bankruptcy filings, debt relief matters, and auto accident claims. Attorneys guide clients through the means test, exemption planning under Florida law, and the automatic stay — stopping collection calls and wage garnishments from the first day a case is filed.
The firm’s bilingual capability makes it a practical choice for Miami-Dade County’s large Spanish-speaking community facing overwhelming debt. Clients can schedule a free initial consultation to review their debt situation and options before committing to any filing strategy.
What Clients Say
No reviews are currently available for this firm on this directory. Prospective clients are encouraged to contact the firm directly to ask about recent client outcomes and the firm’s approach to communication throughout the bankruptcy process.
Bankruptcy Miami — Practice Areas & Services
- Chapter 7 Bankruptcy: Full discharge of unsecured debts including credit cards and medical bills — a common choice for Miami-Dade residents with limited income who pass the means test.
- Chapter 13 Bankruptcy: A structured 3–5 year repayment plan that lets filers keep assets like a home or car while catching up on arrears with court protection.
- Automatic Stay Relief: Filing triggers an immediate federal injunction halting creditor calls, lawsuits, repossessions, and wage garnishments in Miami-Dade County.
- Bilingual Bankruptcy Services: Full case handling in Spanish for Miami’s large Hispanic community, from initial consultation through discharge.
- Debt Relief Counseling: Pre-filing analysis to determine whether bankruptcy or an alternative like negotiated settlement better fits a client’s financial situation.
Frequently Asked Questions
Who qualifies for Chapter 7 bankruptcy in Florida?
To file Chapter 7 in the U.S. Bankruptcy Court for the Southern District of Florida (Miami division), filers must pass the means test — a calculation comparing household income to Florida’s median income. As of 2025, the median income for a single-person household in Florida is approximately $57,000 annually. Filers whose income falls below that threshold typically qualify; those above must pass an additional expense deduction analysis.
What debts can be eliminated through bankruptcy in Miami?
Chapter 7 discharges most unsecured debts — credit card balances, medical bills, personal loans, and utility arrears. Secured debts tied to property you want to keep, such as a mortgage or car loan, require ongoing payments or reaffirmation agreements. Student loans, recent tax obligations, alimony, and child support are generally non-dischargeable regardless of the chapter filed.
How does the automatic stay protect Miami filers immediately after filing?
The automatic stay under 11 U.S.C. § 362 takes effect the moment a bankruptcy petition is filed in the Southern District of Florida. It halts all collection activity — creditor calls, wage garnishments, bank levies, civil lawsuits, and most foreclosure proceedings. Miami-Dade residents facing imminent eviction or foreclosure can gain immediate breathing room while their case proceeds.
Quick Facts: Bankruptcy in Miami, Florida
- 2024 District Filings: The Southern District of Florida recorded 13,742 total bankruptcy filings in 2024 — a 26% increase over 2023 — U.S. Bankruptcy Court, S.D. Fla.
- Miami Division (2025): The Miami division alone recorded 7,395 bankruptcy filings in 2025, with Chapter 7 cases accounting for roughly 59% of all filings — U.S. Bankruptcy Court, S.D. Fla. (Miami Statistics)
- Chapter 13 Share: Chapter 13 repayment plan cases made up approximately 41% of Miami division filings in 2025, reflecting strong use of restructuring options among homeowners — U.S. Bankruptcy Court, S.D. Fla.
