Bankruptcy Attorneys Serving Pembroke Pines and Broward County

Behind on Bills in Pembroke Pines?

Bankruptcy May Be the Fresh Start You Need

If you’re overwhelmed with debt, collection calls, or facing foreclosure in Pembroke Pines, bankruptcy may offer a legal way out. At Consumer Law Attorney, we help individuals and families throughout Broward County eliminate or restructure debt through Chapter 7 and Chapter 13 bankruptcy. Free consultations. No pressure. Just real solutions.

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Bankruptcy Services in Pembroke Pines

We Help Pembroke Pines Residents File Chapter 7 and Chapter 13

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Discharge unsecured debts like credit cards, personal loans, and medical bills
Quick process — most cases resolved in under 4 months
Property typically protected under Florida’s generous exemptions
Best for low-income individuals without major assets

Chapter 13 Bankruptcy

Build a 3–5 year repayment plan to catch up on debts
Stop home foreclosure and car repossession
Consolidate payments into one manageable monthly amount
Ideal for those with regular income or valuable property

Why Pembroke Pines Clients Choose Us

Local Bankruptcy Lawyers Who Understand Your Situation

We’ve helped many residents in Pembroke Pines stop the financial bleeding and start over. Our legal team understands local courts and makes the process as simple and stress-free as possible.

Key Benefits:

Experience with the U.S. Bankruptcy Court – Southern District of Florida
Knowledge of Broward County procedures and trustees
Affordable flat fees with payment plan options
Spanish-speaking support available

The Bankruptcy Process in Pembroke Pines

What to Expect When Filing Bankruptcy in Pembroke Pines

Bankruptcy Steps:

Free consultation and debt evaluation
Gather financial documents and determine eligibility
File your case — collections and lawsuits stop immediately
Attend the 341 Meeting of Creditors
Discharge debts (Chapter 7) or start payment plan (Chapter 13)

What Clients in Pembroke Pines Say

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
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   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

Common Questions From Pembroke Pines Clients

Will I lose my house or car if I file bankruptcy?

In most Pembroke Pines bankruptcy cases, you can keep your home and car. Florida law has some of the strongest protections in the country for primary residences under the homestead exemption. Vehicles are also protected up to a certain value. In Chapter 13, you can catch up on missed payments over time and prevent repossession or foreclosure. In Chapter 7, you can usually keep your property if payments are current and the equity is within Florida’s exemption limits.

How long does bankruptcy stay on my credit?

A Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 stays for 7 years. But this doesn’t mean your credit is ruined that entire time. Many Pembroke Pines residents are surprised to find their credit improves within 12 to 24 months after filing, since past-due debts are wiped away. With steady income and good credit habits, you can often qualify for loans, credit cards, or even a mortgage much sooner than expected.

Can I stop a wage garnishment with bankruptcy?

Yes. Bankruptcy immediately stops wage garnishment through the automatic stay. If your wages are being garnished by a Broward County court order, the garnishment must stop as soon as you file. Chapter 7 can permanently eliminate the underlying debt, while Chapter 13 stops garnishments and structures repayment under a plan. For many Pembroke Pines residents, stopping garnishment is one of the biggest reliefs bankruptcy provides.

Do I have to go to court?

Most people in Pembroke Pines who file bankruptcy don’t ever step into a courtroom in the traditional sense. Instead, you’ll attend a short “341 Meeting of Creditors,” which usually lasts about 10 to 15 minutes. A trustee will ask you basic questions about your finances, and creditors can attend but rarely do. These meetings are often virtual or held in a conference room, not a courtroom. Your attorney will prepare you so you know exactly what to expect.

Contact Consumer Law AttorneysTalk to a Pembroke Pines Bankruptcy Lawyer Today

We’re here to help you take the first step toward financial freedom. The consultation is free — and it could change everything.

(877) 241-2200

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Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

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*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

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