As a Debtor, if you find yourself struggling to pay your bills, whether they are personal or business debts, CRL Law Group can help you. As a local bankruptcy attorney in the Coral Gables, FL area, we will work with you to assess your needs and qualifications under the various Bankruptcy chapters. Obtain the financial relief you deserve - contact our office today to schedule an initial consultation!

Representation of Debtors

At CRL Law Group, we are dedicated to helping people and businesses achieve financial relief from their debt. Understanding the intricacies of personal and business bankruptcies, we can offer solutions to best address your unique needs. From debt consolidation and modification of debt to foreclosure options, we have the legal experience to help you. No two particular cases are ever exactly the same. We take a customized approach to apply our knowledge of consumer and business bankruptcy protections to best fit your situation.

Debt Consolidation Made Simple

At CRL Law Group Firm, we're constantly standing by to help our clients regain financial stability in their lives. In fact, we currently offer a full suite of debt consolidation services to ensure a bright future for the residents of Coral Gables, FL and all the surrounding communities. Not only will our consolidation options help to streamline your finances, but they may expedite your payoff, lower steep interest rates, reduce your monthly payments, and improve your credit score. Simply contact one of our qualified attorneys to jumpstart the debt consolidation process. We're fully prepared to provide contemporary financial counsel.

Evaluating Your Unique Situation

As a bankruptcy and debt-relief law firm, CRL Law Group is well-positioned to guide clients through this complex area of law. Mounting individual and business debt can happen to anyone, under any number of circumstances. It can accrue from unanticipated medical bills, sudden loss of employment, divorce, student loan repayment, failed small business, or out-of-control credit cards. No matter what the cause, we are your advocates for getting you back on your feet and getting your debt under control.

Bankruptcy Options

Chapter 7 Bankruptcy can eliminate many types of unsecured debts for both individuals and business.   A full analysis of your finances will help determine if you are eligible to eliminate certain debts, and for individuals, retain your exempt assets.  Have you fallen behind on your bills and financial obligations? Have your creditors already initiated a lawsuit against you or even obtained a judgment and are seeking to collect through garnishment or other post-judgment proceedings? Chapter 7 may be your solution.

Chapter 11 Bankruptcy can be filed by both individuals and businesses to restructure debt through a reorganization plan or liquidation of assets.  For individuals who are overwhelmed with debt but have non-exempt assets which they want to retain, Chapter 11 may be the right option.  Similarly, for businesses, Chapter 11 is a very important option as it can allow a business to continue normal operations under the supervision of the Bankruptcy court while at the same time negotiating new terms with its pre-bankruptcy creditors.  Used correctly, Chapter 11 provides individuals and companies the time they need to recover from their dire economic position.

Chapter 13 Bankruptcy is for individuals with regular income who are eligible to file.  Unlike Chapter 7, Chapter 13 does not outright eliminate your debt; instead Chapter 13 allows you to restructure your debt and create a repayment plan tailored to your own economic situation.  However, for some debtors, the duration of a Chapter 13 repayment plan (up to five years) might not be ideal.

Chapter 12 Bankruptcy is specifically designed to meet the needs of family farmers and fishermen.  Chapter 12 takes the best aspects of other chapters that suit the needs of farmers and fisherman,  this Chapter can help farmers and fishermen reorganize, recover and repay some portion of their debt while retaining and restoring their business, Bankruptcy relief under Chapter 12 is available to individuals, individuals and spouses, partnerships or corporations that are engaged in farming or commercial fishing operations.

Don’t wait for your situation to become hopeless. Consult with one of our attorneys today to best identify, prepare and implement a plan that works for you. Call now at (786) 332-6787.