About Antonio Pagan, Attorneys at Law — Bankruptcy Miami, Florida
Antonio Pagan, Attorneys at Law provides bankruptcy Miami representation alongside foreclosure defense and divorce, giving Miami-Dade County clients access to legal help across the financial and family law pressures that often arrive together. The firm handles Chapter 7 and Chapter 13 bankruptcy filings in the U.S. Bankruptcy Court for the Southern District of Florida, along with mediation services — useful for resolving debt-related disputes or divorce asset division without prolonged court proceedings. Attorney experience in bankruptcy, foreclosure, and divorce law reflects the reality that these challenges frequently overlap for Miami-Dade County residents under financial stress.
The firm’s cross-practice capability matters in Miami-Dade County, where economic hardship often affects multiple areas of a family’s legal life simultaneously. Residents dealing with layered financial and family challenges can contact the firm through this listing to arrange an initial consultation about the best sequence of legal actions for their situation.
What Clients Say
No client reviews are currently available for Antonio Pagan, Attorneys at Law on this directory. Clients considering the firm are encouraged to ask about the attorneys’ approach to multi-issue cases — particularly situations where bankruptcy and family law matters overlap in Miami-Dade County.
Bankruptcy Miami — Practice Areas & Services
- Chapter 7 Bankruptcy: Discharge of unsecured consumer debt — credit cards, medical bills, personal loans — for Miami-Dade residents who qualify through the income means test.
- Chapter 13 Bankruptcy: Court-supervised repayment plans allowing Miami homeowners to cure mortgage arrears and retain their property over a 3–5 year period.
- Foreclosure Defense: Legal representation for Miami-Dade homeowners challenging foreclosure actions — coordinated with bankruptcy strategy when the automatic stay provides fastest relief.
- Divorce & Asset Division: Family law representation with attention to how marital debt and bankruptcy filings interact under Florida law.
- Mediation Services: Alternative dispute resolution for debt, divorce, and civil disputes — a faster and less costly path than full litigation for many Miami-Dade clients.
Frequently Asked Questions
Can I file bankruptcy while going through a divorce in Miami-Dade County?
Filing bankruptcy during a divorce is possible but requires careful coordination. Jointly held debts affect both spouses, and the automatic stay can complicate divorce property division proceedings in Miami-Dade family court. Some couples file jointly before divorcing to discharge shared debt; others file individually after divorce is finalized. An attorney who handles both bankruptcy and family law can map out the most efficient sequence for each specific situation.
How does Chapter 13 stop foreclosure in Florida?
Filing Chapter 13 in the U.S. Bankruptcy Court for the Southern District of Florida immediately triggers the automatic stay, halting any pending foreclosure action on a Miami-Dade property. The Chapter 13 plan then allows the filer to cure mortgage arrears over 3–5 years while maintaining current payments. Florida courts treat the right to cure mortgage arrears in Chapter 13 broadly, giving many Miami homeowners a realistic path to keeping their home.
What is mediation in the context of a bankruptcy or debt dispute?
Mediation is a structured negotiation process where a neutral third party helps creditors and debtors reach a voluntary resolution without full litigation. In Miami-Dade County, mediation is commonly used to settle creditor objections in bankruptcy proceedings, negotiate workout agreements outside of bankruptcy, and resolve disputes over debt allocation in divorce cases. It is typically faster and less expensive than a contested court hearing before a judge.
Quick Facts: Bankruptcy in Miami, Florida
- 2024 District Filings: The Southern District of Florida recorded 13,742 total bankruptcy filings in 2024 — up 26% from 2023 — U.S. Bankruptcy Court, S.D. Fla.
- Miami Division (2025): The Miami division logged 7,395 total filings in 2025, with Chapter 7 at approximately 59% of cases — U.S. Bankruptcy Court, S.D. Fla. (Miami Statistics)
- National Filing Surge: U.S. bankruptcy filings rose 11.5% in the twelve months ending June 30, 2025 — Administrative Office of the U.S. Courts



