Chapter 7

Best for an individual who:

    • has income of less than 150% of the poverty level established for Florida;
    • needs to discharge certain debts to get a "fresh start"; and
    • is willing to have most of their assets (aside from certain exemptions) sold to pay the debtors' creditors.
Find out More...

Chapter 11

Best for a wealthy individual or a corporation:

  • looking to reorganize his/her/its debt
Read More

Chapter 13

Best for an individual who:

    • has some assets;
    • has enough monthly income to payoff most, if not all, of his/her Debts in a period of three to five years; and
    • does not want to forfeit his/her assets.
    * * * * *
    Also ideal for the person looking to apply for a Loan Modification or is looking to save an asset from the imminent threat of a Foreclosure.
Find out More...

Foreclosure Defense

If you defend the foreclosure case filed against you, you can:

  • continue to live in your home during the fight;
  • continue to collect rent from investment properties; or
  • try to get a loan modification.
Read More

786-529-6060

..

Free Consultation

Bankruptcy and Real Estate Law Firm Offering Practical and Effective Relief

Why Choose Us?

At the Rivera Law Firm, P.A., we pride ourself in treating each client as an Individual, making every effort in our power to help our clients reach the fresh start they need to start again. There is a stigma associated with the Bankruptcy process, but we understand, and help our clients understand, that just because they lost their job, are going through an illness or even a divorce, doesn't mean that you intentionally don't want to pay your creditors. By understanding this our clients are in a better position to see the bankruptcy as a light at the end of the tunnel.

Our goal is to be able to design, through collective ideas and a result-driven approach, the right strategy to help our clients reach the fresh start everybody deserves.

writing-pencil-creative-light-technology-thinking-714869-pxhere.com
man-person-hair-alone-male-heart-775637-pxhere.com-2

Is Bankruptcy Right for Me?

Bankruptcy is a viable debt relief solution for most people.   A Bankruptcy doesn't just make all you debt disappear, some Bankruptcies just set out a plan to pay all your debts in 3 to 5 years.

In order to determine if Bankruptcy is right for you, first you need to ask yourself:

  • Do I live paycheck to paycheck?
  • Have I had to decide between paying a bill or buying food?
  • Is the bank about to foreclose on my home?
  • Did I loose my job and have debt but no income?
  • Do I suffer from an illness that prevents me from working?
  • Are creditors constantly calling me requesting payment?

Although there are limitless questions you could ask yourself to determine if Bankruptcy can help you, if you answered YES to ONE, or more, of these questions, a Bankruptcy might help you greatly!

Let's Flip!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s.

Cool!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s

Let's Flip!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s.

Cool!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s

Let's Flip!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s.

Cool!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s

Let's Flip!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s.

Cool!

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s

 Next Step...