Will Chapter 13 leave me broke?
Chapter 13 won’t leave you broke—in fact, it’s designed to help you avoid financial collapse while repaying your debts in a manageable way. That said, it’s not painless. It’s a court-supervised repayment plan that requires financial discipline and can feel tight—but it’s meant to be realistic, not ruinous. Let’s break this down honestly: ✅ How […]
Which debt can never be erased by bankruptcy?
While bankruptcy can eliminate many debts, there are some that are considered non-dischargeable—meaning they cannot be erased, or can only be erased in rare circumstances. Here’s a breakdown of the debts that are almost never wiped out in Chapter 7 or Chapter 13 bankruptcy: 🔒 Debts That Are Never Dischargeable (Except in Very Rare Cases) […]
Bankruptcy
At the Law Office of Andres Montejo, is a single attorney firm whom has helped hundreds of clients through Bankruptcy. He will sit down with you and explain to you which Chapter is better for you. His fees are very reasonable and he will give you the best option you deserve. Sometimes it is found […]
Chapter 7
INTRODUCTION This basic information about Chapter 7 bankruptcy should assist you in understanding the course of events that occur when you file a Chapter 7 bankruptcy. If you cannot find the answer to your question here, you may e-mail your questions to your bankruptcy attorney. THE NEW BANKRUPTCY LAW The new bankruptcy law (effective […]
Chapter 13
INTRODUCTION The following is basic information about your Chapter 13 bankruptcy and the course of events you will experience. If you cannot find the answer to your question in the information below, you should direct your individual question to your bankruptcy attorney. BASIC TERMINOLOGY Unsecured debts include personal loans and credit cards issued by […]
Mortgage Modification
Mortgage/Loan Modification Given the recent mortgage meltdown, the most recognized form of secured debt negotiations is loan modification. There are several companies that claim to be loan modification experts. While some are legitimate companies, most are glorified paper-pushers who just file the paperwork without understanding the programs for which you may qualify or what criteria […]
Foreclosure Defense
Foreclosure Defense Intro For the majority of people, their house is their most valuable asset as well as their beloved residence. Unfortunately, real estate speculation and the huge number of foreclosures in the past years has impacted the entire real estate market. Even people who never took out a sub prime mortgage have found themselves […]
What are the best ways to avoid debt?
Debt Relief Lawyer Miami Preventing Bankruptcy Self-control, discipline, and responsibility are the main characteristics one needs in order to avoid debt. Can you count in one hand the number of times you went to a store and bought yourself a gift with your credit card knowing you couldn’t afford it? Unfortunately, there will always be […]
10 things not to do as you go through bankruptcy!
Best Bankruptcy Offices in Miami Bankruptcy Process Help Are you currently going through bankruptcy? Are you tired of being in debt? Being in debt and not knowing how to deal with is stressful. However, going through bankruptcy without having a lawyer by your side is risk-taking. Having a bankruptcy attorney by your side secures […]
Know someone going through bankruptcy?
Recommend Andres Montejo Bankruptcy Filing Assistance Do you have a friend or relative who is currently going through bankruptcy? Have you thought of ways you can help them? Did you know that the number of people who file for bankruptcy in America each year amount to around 1.2 million? If your friend or […]