Bankruptcy Law

Helping You Find Debt Relief Through Bankruptcy

Whether your financial hardship stems from sudden illness, injury, business challenges, or other circumstances, bankruptcy may offer the fresh financial start you need.

At De Armas & Arriete, PLLC, we help individuals and businesses file for bankruptcy under Chapter 7, Chapter 11, and Chapter 13.

How We Can Help

Falling behind on personal or business finances can feel overwhelming. From our first meeting, we take time to understand your story and situation. We'll help you evaluate which bankruptcy option is right for you and guide you through every step of the process. We're available to answer your questions and treat your case with the care and attention it deserves.

Overcome Financial Stress. Schedule a Free Consultation Today.

If you or your business can benefit from bankruptcy, let us help you explore your options. Call our Miami office at 786-983-5888 or email us here to schedule your free initial consultation.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

At De Armas & Arriete, PLLC, we help individuals and businesses file for bankruptcy under Chapter 7, Chapter 11, and Chapter 13.

  • Chapter 7 is one of the most common forms of consumer bankruptcy. It involves selling nonessential assets—such as secondary real estate, vehicles, collectibles, and other valuables—to pay off debt, with the government discharging any remaining balance. This option works well for individuals who cannot afford monthly debt payments due to essential expenses like mortgage, rent, and household bills. It's also valuable for sole proprietors and other business entities looking to liquidate operations due to insurmountable debt.

  • Chapter 13 allows you to consolidate most or all of your debt into a manageable payment plan lasting three to five years. If you make every monthly payment, any remaining debt is discharged. This approach is ideal for individuals who want to regain financial stability without liquidating assets like homes, vehicles, or family heirlooms. We can also help you through the mortgage modification process to lower your monthly payments.

  • For businesses facing financial hardship, Chapter 11 bankruptcy offers a path to stability through corporate restructuring. We guide companies through the process, including negotiating with creditors, modifying contracts, and implementing organizational changes such as mergers, acquisitions, or sales. Small business owners may also qualify for Subchapter V bankruptcy, which allows you to keep your business running while paying off debts affordably.