About CANTY LAW

About CANTY LAW — Bankruptcy Miami, Florida

CANTY LAW is a Miami-Dade County firm offering bankruptcy Miami representation alongside divorce, real estate, and family law services — a combination that serves clients whose financial and personal pressures arrive simultaneously. The firm handles Chapter 7 and Chapter 13 bankruptcy filings in the U.S. Bankruptcy Court for the Southern District of Florida, and its multi-practice scope is particularly useful for Miami-Dade residents whose marital breakdown and debt crisis are interconnected. Coordinating which proceeding to pursue first — and how each affects the other — requires legal experience across both areas of law.

CANTY LAW’s website at canty-law.com provides additional detail for prospective clients evaluating fit. Miami-Dade County residents dealing with mounting debt alongside a divorce filing will benefit from the firm’s ability to sequence bankruptcy and family law proceedings to protect the maximum amount of assets for both parties.

What Clients Say

No reviews are currently listed for CANTY LAW on this directory. Prospective clients can visit the firm’s website or contact the office directly to learn more about the firm’s approach to bankruptcy and family law cases in Miami-Dade County.

Bankruptcy Miami — Practice Areas & Services

Chapter 7 Bankruptcy: Full liquidation and discharge of unsecured consumer debt for qualifying Miami-Dade residents — typically completed in 4–6 months from the filing date.
Chapter 13 Bankruptcy: Structured repayment plan filing in the Southern District of Florida, allowing Miami homeowners to halt foreclosure and reorganize mortgage arrears over 3–5 years.
Bankruptcy & Divorce Coordination: Strategic sequencing of bankruptcy and family law proceedings to maximize debt discharge and protect marital assets under Florida law.
Real Estate Law: Support for Miami-Dade County homeowners dealing with foreclosure, short sales, or property disputes alongside bankruptcy proceedings.
Debt Relief Counseling: Pre-filing analysis comparing Chapter 7, Chapter 13, and non-bankruptcy alternatives for Miami clients evaluating the best path forward.

Frequently Asked Questions

Who qualifies for the bankruptcy means test in Florida?

The means test in Florida compares the filer’s average monthly income over the prior six months to the state median income for their household size. A single filer with income below approximately $4,750 per month typically qualifies for Chapter 7 without further analysis. Filers above that threshold must complete additional expense deductions under IRS standard allowances. Miami-Dade County’s higher cost of living means many residents pass this additional analysis even when income exceeds the median.

What debts survive bankruptcy and cannot be discharged in Miami?

Several categories of debt are non-dischargeable under federal bankruptcy law regardless of which chapter is filed. These include domestic support obligations such as alimony and child support, most student loans, recent federal and state income taxes, debts incurred through fraud or intentional misconduct, and criminal fines. Miami-Dade residents with significant non-dischargeable obligations should carefully weigh whether remaining dischargeable debt makes bankruptcy worthwhile before filing.

How does bankruptcy interact with a divorce settlement in Florida?

Divorce property settlements reached before bankruptcy is filed can be challenged as preferential transfers if they favor one spouse over creditors. Domestic support obligations — child support and alimony — survive bankruptcy discharge completely. However, property settlement obligations not classified as support can sometimes be discharged in Chapter 13, though not Chapter 7. Miami-Dade spouses in this situation need both a family law and bankruptcy attorney to coordinate strategy effectively.

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 recorded 7,395 total filings in 2025, with Chapter 7 representing approximately 59% of cases — U.S. Bankruptcy Court, S.D. Fla. (Miami Statistics)
National Trend: U.S. bankruptcy filings rose 11.5% in the twelve months ending June 30, 2025 — Administrative Office of the U.S. Courts

What People Say About CANTY LAW

CANTY LAW, based in Miami, Florida, is a reputable law firm specializing in bankruptcy and family law services, including divorce and student loan assistance. Clients express overwhelming satisfaction with their experience, highlighting the firm’s professionalism, dedication, and effective communication throughout the legal process, particularly in resolving student loan issues and creating manageable repayment plans. Many reviewers recommend CANTY LAW for their compassionate approach and ability to deliver results, making them a trusted partner in navigating complex legal challenges.

Google Reviews for CANTY LAW

Was a wonderful partner!

True Scam

I don’t know what I would do without them! Im extremely satisfied with the out come of the case. I was fe

I worked with Tanisha Reid on my case. US Dept. of Education was garnishing my wages on top of wanting me to pay an addition large amount on the side. Least to say I was going to be out of $1300 dollars a month. They wouldn’t allow that. Canty and her staff work and got my payments down to $5.00 a month. I could still afford to live and pay my bills as well as get my loan back in order. I recommend if you are having Student loan issues, Credit issues, etc., that you reach out to them. You will not be disappointed.

This firm helped me quickly and efficiently! They guided me from start to finish and explained everything thoroughly. They were always available when I had questions. Will definitely recommend!

My experience with Canty Law Firm has been a blessing . Professionalism goes a long way with everyone with this company. Every person that I have had contact with were very nice, professional and always available when I needed them. Rene Mears is probably my favorite because the close contact she has kept with me during my legal process. Keep up the good work!!!!

Wow! The hearing with the department of education was disappointing but Canty and Associates did not stop there. Today I received a phone call from them and I can finally see the light at the end of the tunnel. Canty and associates are a hard working group of individuals that truly care about your situation and will go above and beyond for you and your case. I am so happy that they continued working for me after I believed my situation to be resolved in an unsatisfactory way. Thank You Canty and Associates and Tanetia for ALL your help!!!

Student Loan challenges? Canty Law will provide the assistance to get you back on track. Other companies made the same promises but Canty Law actually delivered. Although the process was not a quick fix my advisor was patient with me and persistent with the collection agency and education department to get me into a repayment plan that I could afford. She helped me better understand the process to avoid future problems. Seemed expensive at first but worth every penny in the end. All in all A+ Student Loan debt relief.

I am completely satisfied with their services from the beginning to the end was a peace of mind. My wages was being garnished due to student loan debt and they were able to get me setup with an affordable repayment plan and out of default in no time. Words cant express how thankful i am. Thank you so much guys!

Third time they requested a fax of my personal information…Now I am on hold for over 10 minutes…still waiting to talk to rep….they have been paid in full and now no service….

Do yourself a favor and keep on looking if you want to find a lawyer to help consolidate your loans. I hired these guys at the super discounted rate of $900 (They claimed that was the lowest price they could give me for their assistance.)

CANTY LAW