Bankruptcy general

Financial stress can overwhelm anyone. Mounting debt, creditor harassment, wage garnishments, and the threat of losing your home or business are incredibly difficult to manage. At Kaba Law Group, P.L.L.C., we provide experienced bankruptcy representation to help individuals, families, and businesses in Miami-Dade County and throughout Florida get the fresh financial start they deserve.

Bankruptcy is not the end—it is a powerful legal tool designed to protect you and help you rebuild.

📜 Bankruptcy Under Federal Law

Bankruptcy law in the United States is governed by federal statutes, but the process is handled in Florida’s federal bankruptcy courts. The most common forms include:

Chapter 7 Bankruptcy (Liquidation) – Allows individuals to eliminate most unsecured debts such as credit cards, medical bills, and personal loans, often while keeping essential property through exemptions.
Chapter 13 Bankruptcy (Reorganization)—Allows individuals with steady income to restructure debts into a manageable repayment plan over 3–5 years, while protecting assets like a home or car.
Chapter 11 Bankruptcy (Business Reorganization)—Primarily used by businesses to restructure debts and continue operations.

⚠️ Signs You May Need Bankruptcy

Constant creditor calls and harassment
Facing foreclosure or repossession
Wage garnishment or frozen bank accounts
Crippling credit card or medical debt
Lawsuits or judgments against you
Unable to catch up despite steady income

🛡️ Protections Bankruptcy Provides

When you file bankruptcy, the court issues an automatic stay that immediately:

🚫 Stops creditor harassment and collection calls
🚫 Halts wage garnishment
🚫 Delays foreclosure or repossession
🚫 Freezes lawsuits and judgments
✅ Gives you breathing room to reorganize finances

💰 Debts That May Be Discharged

Bankruptcy can help eliminate or restructure:

Credit card balances
Medical bills
Personal loans
Certain tax debts (depending on circumstances)
Deficiency balances after foreclosure or repossession

⚠️ Some debts, such as child support, alimony, most student loans, and recent tax obligations, are generally not dischargeable.

📑 Evidence & Preparation Needed

To file for bankruptcy, you’ll need to gather:

Income records (pay stubs, tax returns)
Asset information (real estate, vehicles, bank accounts)
Debt details (credit card statements, loan documents, medical bills)
Household expenses and budget information

An attorney can help ensure nothing is overlooked and protect your rights.

💼 How Kaba Law Group Can Help

At Kaba Law Group, P.L.L.C., we guide clients through every step of the bankruptcy process, from initial consultation to court hearings, with compassion and diligence. We help you:

Determine whether Chapter 7, Chapter 13, or another form of bankruptcy is right for you
Protect as much of your property as possible through exemptions
Stop harassment and regain control of your finances
Rebuild your credit and move toward a stronger financial future

📞Call us today at 305-245-9990 or contact us online to schedule a free, private, and confidential consultation with our Florida bankruptcy attorneys.