About Hernandez Law — Bankruptcy Miami, Florida
Hernandez Law is a Miami-Dade County practice providing bankruptcy Miami and foreclosure defense representation for individuals and families who need debt relief across multiple fronts. The firm handles Chapter 7 and Chapter 13 bankruptcy filings in the U.S. Bankruptcy Court for the Southern District of Florida alongside foreclosure service, employment law, personal injury, and immigration matters — making it a multi-practice option for Miami-Dade residents whose financial distress overlaps with employment disputes or immigration concerns. This directory listing is the most direct way to contact Hernandez Law, as no public website is currently listed.
Miami-Dade County residents dealing with foreclosure and debt simultaneously will find the firm’s combined focus on bankruptcy and foreclosure defense directly relevant — the two legal strategies are most powerful when coordinated, with the automatic stay from a bankruptcy filing providing immediate foreclosure protection while a longer-term cure plan is structured through Chapter 13.
What Clients Say
No client reviews are currently listed for Hernandez Law on this directory. Prospective clients can use this listing to connect directly with the firm to ask about case experience and approach to their specific combination of legal issues 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 pass the federal means test.
- Chapter 13 Bankruptcy: Court-supervised repayment plans allowing Miami homeowners to halt foreclosure and cure mortgage arrears over 3–5 years while retaining property.
- Foreclosure Defense: Legal challenges to foreclosure actions in Miami-Dade County — coordinated with bankruptcy filings when the automatic stay provides the fastest immediate relief.
- Employment Law: Wrongful termination, wage claims, and related matters — relevant when a Miami-Dade job loss is a driver of the financial distress leading to bankruptcy consideration.
- Personal Injury: Accident claim representation coordinated with bankruptcy strategy for clients whose injury-related debt is a significant part of their overall financial situation.
Frequently Asked Questions
Can losing a job qualify me for bankruptcy in Miami-Dade County?
Job loss itself does not automatically qualify someone for bankruptcy, but it often leads to the income reduction that makes Chapter 7 means test qualification more likely. In the Southern District of Florida, the means test looks at average income over the six months before filing — so a recent job loss may not yet be fully reflected in the calculation. Miami-Dade residents who have recently lost employment and face mounting debt should consult a bankruptcy attorney promptly to time the filing strategically for the best outcome under the means test.
What employment law claims survive bankruptcy in Florida?
Employment law claims — wrongful termination, unpaid wages, discrimination — are assets of the bankruptcy estate if they exist when you file in the Southern District of Florida. Like personal injury claims, they must be disclosed in the bankruptcy schedules. The trustee will evaluate whether the expected recovery from an employment claim exceeds available exemptions. If so, the trustee may pursue the claim on behalf of creditors. Miami-Dade residents with pending employment law matters should disclose them carefully and coordinate with bankruptcy counsel before filing.
How does Florida’s foreclosure timeline interact with bankruptcy in Miami-Dade County?
Florida is a judicial foreclosure state — foreclosure requires a court action, and Miami-Dade County’s court processing times have historically stretched the process over 12–24 months or longer. This extended timeline gives homeowners more runway to pursue alternatives, including loan modification, short sale, or bankruptcy. A Chapter 13 filing can be used at any point before the foreclosure sale to halt the proceeding and buy additional time for a cure plan — even very late in the foreclosure timeline.
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
