Gimenez, Carrillo & Leon, LLC

About Gimenez, Carrillo & Leon, LLC — Bankruptcy Miami, Florida

Gimenez, Carrillo & Leon, LLC is a Miami-Dade County practice handling bankruptcy Miami matters and foreclosure defense, serving individuals and families who need debt relief and property protection under federal and Florida law. The firm’s attorneys handle Chapter 7 and Chapter 13 filings in the U.S. Bankruptcy Court for the Southern District of Florida, with additional focus on foreclosure service — a natural complement to bankruptcy in Miami-Dade County, where homeowners often face simultaneous mortgage default and unsecured debt pressure. Additional information is available at gcl-legal.com.

The firm’s dual focus on bankruptcy and foreclosure defense positions it for Miami-Dade clients whose most urgent need is stopping a foreclosure sale while simultaneously addressing the broader debt picture that led to the default. An attorney who handles both areas can determine in real time whether the automatic stay from a bankruptcy filing or a standalone foreclosure defense motion is the faster and more strategic path for each client’s specific situation.

What Clients Say

No client reviews are currently listed for Gimenez, Carrillo & Leon on this directory. Prospective clients facing foreclosure alongside broader debt problems are encouraged to contact the firm directly to discuss how bankruptcy and foreclosure defense strategy can be coordinated in Miami-Dade County.

Bankruptcy Miami — Practice Areas & Services

• Chapter 7 Bankruptcy: Discharge of qualifying unsecured debts — credit cards, medical bills, personal loans — for Miami-Dade residents who meet the income means test.
• Chapter 13 Bankruptcy: Court-supervised repayment plan allowing Miami homeowners to halt foreclosure and cure mortgage arrears over 3–5 years while retaining their property.
• Foreclosure Defense: Legal challenges to pending Miami-Dade foreclosure actions — contesting lender standing, loan modification feasibility, and deficiency judgment exposure.
• Loan Modification Coordination: Assistance structuring loan modification requests alongside bankruptcy strategy for Miami homeowners behind on mortgage payments.
• Automatic Stay Enforcement: Immediate halt to foreclosure, garnishment, and creditor collection through the automatic stay triggered by bankruptcy filing in the Southern District of Florida.

Frequently Asked Questions

How many times can I use bankruptcy to stop foreclosure in Miami?

There is no absolute limit on using bankruptcy to stop foreclosure, but the automatic stay becomes limited if you have had a prior bankruptcy dismissed within the past year. One prior dismissal within 12 months limits the stay to 30 days; two or more prior dismissals within 12 months mean no automatic stay applies at all — the filer must ask the court to impose one. Miami-Dade homeowners with multiple prior bankruptcy filings should discuss stay limitations with an attorney before filing again to avoid losing foreclosure protection.

What is a deficiency judgment and can bankruptcy eliminate it in Florida?

A deficiency judgment arises when a Florida lender forecloses on a Miami-Dade property and the foreclosure sale proceeds are less than the outstanding loan balance. The lender can sue for the difference — the deficiency — as a personal judgment against the former homeowner. This deficiency is an unsecured debt and is dischargeable in both Chapter 7 and Chapter 13 bankruptcy filed in the Southern District of Florida. Miami-Dade homeowners who have already lost a home to foreclosure and face a pending deficiency action can often eliminate it through bankruptcy.

What is the mortgage modification mediation program in the Southern District of Florida?

The Mortgage Modification Mediation (MMM) program in the U.S. Bankruptcy Court for the Southern District of Florida provides Chapter 13 debtors a structured process to negotiate mortgage modifications with their lenders inside the bankruptcy case. A mediator facilitates the process, and lenders are required to negotiate in good faith. Miami-Dade homeowners who file Chapter 13 can use MMM to pursue a loan modification while simultaneously getting automatic stay protection from foreclosure — combining both tools in a coordinated strategy.