Helping South Florida Consumers Find Debt Relief Solutions Through Bankruptcy

There are many reasons individuals find themselves in overwhelming debt. Perhaps you lost your job, are unable to get ahead with high-interest credit card debt. Or, perhaps you needed an expensive surgical treatment that has left you with thousands of dollars in medical bills.

Debt Relief Options

At Rosenthal, Levy, Simon & Ryles, we can help you get out from underneath your debt. There are many different avenues to pursue. Which one is best for you will depend on your situation and the goal you wish to accomplish.

Our team of attorneys often helps individuals with:

  • Personal and corporate bankruptcy filings
  • Mortgage and other loan modifications
  • Credit card debt negotiation
  • Collection defense
  • Foreclosure defense

Relief By Filing Bankruptcy

Filing for bankruptcy is a common method to eliminate or reduce debt. At Rosenthal, Levy, Simon & Ryles, we help our clients assess their individual needs and their particular financial situation in order to determine whether they should file under Chapter 7 or Chapter 13 bankruptcy.

What Is Chapter 7 Bankruptcy?

Filing Chapter 7 is generally a viable option for those in debt whose income falls below a certain threshold.

For Chapter 7 filers, all assets (excluding a personal residence and retirement assets that are exempt from the bankruptcy process in the state of Florida) are liquidated to pay for the outstanding debt.

All remaining debt after liquidating is discharged. The process can take as little as 90 days.

Understanding Chapter 13 Bankruptcy

Alternately, Chapter 13 is an option for those in debt who do not qualify for Chapter 7 bankruptcy because their income exceeds the required threshold. It's also a viable solution for those who wish to keep certain assets or retain ownership of their home.

Under a Chapter 13 plan, debtors set up a monthly payment plan, typically lasting three to five years. The monthly payment will depend on the individual's income, expenses and other circumstances.

Contact Us To Learn About The Best Option For You

If you are struggling to pay down significant debt, contact our lawyers at Rosenthal, Levy, Simon & Ryles to learn more about debt relief options available.

Call 866-289-1894 or send an email. Free consults.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Testimonials Client Testimonials

  • I was injured at work directly due to poor management decisions. I worked as a lifeguard and a child that was in the care of the day care facility on the campus ran away. He was in immediate danger. I… Shona M.
  • I have recommended Jonathan Levy and his law firm to my friends and one of them became his client. I am truly grateful for everything Jonathan Levy and his team have done on my behalf. He is truly a wonderful attorney. Faithe C.
  • Much to my surprise not only did they win my lawsuit but I ended up getting 3 times the original amount I was expecting to get! I could not have been more pleased with the staff and the outcome. Allison M.
  • If it wasn’t for your help, I know I wouldn’t have been able to win my case. I know that it was far away for you to come to Miami but your professionalism was outstanding. I will always recommend you. Maria W.
  • You might say you were even just doing your job, however, I think it’s essential that you realize how fortunate I am to have such a trusted esteemed attorney in my corner, blessed really. Anonymous
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