About Gallardo Law Firm — Bankruptcy Miami, Florida
Gallardo Law Firm handles bankruptcy Miami matters alongside personal injury, criminal defense, family law, and immigration cases for clients across Miami-Dade County, including Miami, Hialeah, Homestead, and Westchester. The firm has built a presence throughout Miami-Dade County’s diverse communities, providing legal services at (305) 261-7000 with a free consultation offer for new clients. Gallardo Law’s multi-practice coverage is relevant for Miami-Dade residents whose financial distress is compounded by a pending injury claim, immigration status concern, or criminal matter — situations where having one firm manage all aspects reduces confusion and protects against conflicting legal strategies.
The firm’s geographic reach across Miami, Hialeah, Homestead, and Westchester reflects deep roots in the broader Miami-Dade County community. Clients considering bankruptcy alongside other legal matters can use the free consultation to map out how each area of law affects the other before committing to any course of action.
What Clients Say
No client reviews are currently listed for Gallardo Law Firm on this directory. The firm’s multi-community presence throughout Miami-Dade County and its free consultation policy reflect a practice oriented toward accessibility for a broad range of clients facing complex, overlapping legal situations.
Bankruptcy Miami — Practice Areas & Services
- Chapter 7 Bankruptcy: Discharge of unsecured consumer debt for qualifying Miami-Dade residents — credit cards, medical bills, and personal loans wiped out within approximately 4–6 months.
- Chapter 13 Bankruptcy: Repayment plans that allow Miami-Dade homeowners to stop foreclosure and restructure mortgage arrears over a 3–5 year court-supervised period.
- Personal Injury: Accident and injury claims — relevant when injury-related medical debt is a primary driver of financial distress that leads Miami-Dade clients toward bankruptcy.
- Immigration Law: Immigration matters managed alongside bankruptcy filings for Miami-Dade clients who need to understand how bankruptcy proceedings may interact with their immigration status.
- Criminal Defense: Criminal matters coordinated with financial legal issues — important when restitution obligations, fines, or asset forfeiture intersect with a Miami-Dade bankruptcy case.
Frequently Asked Questions
Can bankruptcy affect my immigration status in Florida?
Filing for bankruptcy does not directly affect immigration status — bankruptcy is a civil legal process and is not a criminal matter. However, immigration applications that require proof of financial responsibility, good moral character, or the ability to support oneself may be scrutinized if a bankruptcy appears on a credit report or background check. Miami-Dade residents who are in active immigration proceedings should consult both a bankruptcy attorney and an immigration attorney before filing to understand the full picture.
Does bankruptcy discharge criminal fines or restitution in Florida?
No. Criminal fines, court-ordered restitution, and penalties imposed by a court as part of a criminal sentence are not dischargeable in bankruptcy under 11 U.S.C. § 523(a)(7). Miami-Dade residents with criminal fines or victim restitution obligations must continue paying those amounts even after receiving a bankruptcy discharge on their other debts. A bankruptcy filing can, however, discharge other financial obligations — freeing up income to make court-ordered criminal payments more manageable.
What happens to a pending personal injury lawsuit if I file bankruptcy in Miami?
A pending personal injury claim becomes an asset of the bankruptcy estate the moment you file. You must disclose the lawsuit in your bankruptcy schedules — failure to do so can result in loss of the claim and potential sanctions. The bankruptcy trustee will evaluate whether the claim has value above your available exemptions. If the expected recovery exceeds what exemptions protect, the trustee may take control of the lawsuit to distribute proceeds to creditors. Miami-Dade residents with pending injury claims should coordinate closely with bankruptcy counsel before filing.
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 filings in 2025, with Chapter 7 representing approximately 59% of all 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



