Experience You Can Rely On
Advocates You Can Trust

Helping You Find Debt Relief Through A Variety Of Bankruptcy Options

Whether your financial hardship was the result of sudden illness or injury, business disaster, or other causes, bankruptcy may be able to offer you the opportunity you need to earn a fresh financial start in life.

At De Armas & Arriete, LLC, we have helped individuals and businesses file for bankruptcy under Chapter 7, Chapter 11, and Chapter 13.

Seeking Consumer Liquidation Bankruptcy

One of the most common forms of consumer bankruptcy is Chapter 7. This option involves the debtor selling all nonessential debts, like secondary real estate, vehicles, heirlooms, collectibles, and other valuables, to pay off their debt. Then, the government discharges the remaining debt. Chapter 7 can be a practical and helpful bankruptcy approach for people who cannot afford monthly payments on their obligations due to other costs such as mortgage/rent payments and other household bills. It can also be a valuable approach for sole proprietor business owners looking to liquidate their operations due to insurmountable business debt. Partnerships, corporations and other business entities may also file a Chapter 7 bankruptcy.

Consumer Debt Reorganization

Consumers also have the option to restructure their debt through Chapter 13. This option allows a debtor to consolidate most or all of their debt into a payment plan that usually lasts three to five years. If the debtor makes every monthly payment during this time, any remaining debt is discharged by the bankruptcy. Chapter 13 can be a practical and helpful approach for individuals who want to get their finances back in order but don’t wish to liquidate assets like their homes, vehicles, or family heirlooms. Our lawyers can also help you through the mortgage modification process to lower your monthly payments.

Business Debt Reorganization

For businesses experiencing financial hardship, Chapter 11 bankruptcy may be a viable option. We help companies through the Chapter 11 process, including navigating challenges such as negotiating with creditors to reduce debts, modifying contracts, and other steps to regain financial stability through corporate restructuring. This restructuring may include mergers, acquisitions, sales, or organizational changes. If you are a small business owner, Sub Chapter 5 bankruptcy may also be available, depending on the circumstances. This option can allow you to keep your business running. At the same time, you find an affordable approach to paying off your remaining debts. No matter what it takes to get through the bankruptcy process, we are here to help.

How De Armas & Arriete, LLC, Can Help

Falling behind on your personal or business finances due to debt can feel overwhelming. We can help ease the stress and burdens these struggles can place on you. From the moment we meet, we will sit down with you and get a thorough understanding of your story and situation. We can then help you evaluate which bankruptcy approach will be the most helpful for you. From there, we will guide you through every step of the process and address any questions or concerns you have. We are available to address any inquiries and will respond to them as soon as possible. We treat your situation as if it were our own, so you can rest easy knowing that you will be taken care of when you work with us. 

Overcome Financial Stress. Schedule A Free Consult Today.

If you or your business can benefit from bankruptcy, let us help you weigh your options. Call our office in Miami at 786-600-4437 or email us here to schedule your free initial consultation. Hablamos español.

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