Business Details
22 Years
experience
Trusted Miami Bankruptcy Lawyers
At the Law Office of Andres Montejo, we bring decades of combined legal expertise to individuals and families navigating complex financial challenges. Our practice focuses on bankruptcy law, foreclosure defense, and mortgage modification, with a commitment to personalized client care and practical solutions. Founded in 2004, our firm has helped hundreds of clients in South Florida protect their assets, eliminate debt, and achieve financial stability. We prioritize transparency, ethical representation, and clear communication, ensuring clients understand their options and feel empowered throughout the legal process.Our team combines deep knowledge of Florida bankruptcy exemptions, federal court procedures, and debt negotiation strategies to deliver tailored outcomes. Whether you're facing foreclosure, overwhelming debt, or seeking a fresh start through Chapter 7 or 13 bankruptcy, we provide strategic guidance rooted in experience. As a member of the Florida and Washington D.C. Bars, and with admission to federal courts across multiple jurisdictions, we uphold the highest standards of legal professionalism while maintaining a client-centric approach.
Services
Bankruptcy
Foreclosure Defense
Mortgage Modification
Chapter 7
Chapter 13
Debt Relief
Loan Modification
Short Sales
Credit Counseling
Asset Protection
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of specialized bankruptcy law experience
- Our firm provides personalized debt relief strategies
- We guarantee transparent fee structures with no hidden costs
- Our team maintains federal court admission in multiple jurisdictions
- We combine legal expertise with compassionate client support
Services
Foreclosure Defense
Our foreclosure defense services help homeowners protect their properties through legal strategies like loan modifications, short sales, and bankruptcy filings. We negotiate with lenders to stop foreclosure proceedings while exploring long-term solutions. Clients benefit from our deep understanding of Florida real estate law and federal bankruptcy protections.
Mortgage Modification
We assist homeowners in modifying mortgage terms to achieve affordable payments through federal programs and lender negotiations. Our process includes analyzing financial situations, preparing documentation, and advocating for favorable terms. This service helps avoid foreclosure while maintaining home ownership with sustainable payment plans.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy restructures debts into manageable monthly payments over 3-5 years while protecting assets. We help clients develop court-approved repayment plans that prioritize essential obligations. This option is ideal for those with regular income seeking to retain property while eliminating unsecured debt.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates qualifying debts through asset liquidation exemptions while providing immediate creditor protection. We guide clients through the means test requirements and exemption planning to maximize debt discharge. This process typically completes within 4-6 months for a fresh financial start.
Bankruptcy Consultation
Our free initial consultation assesses bankruptcy eligibility, explains chapter options, and creates personalized debt relief strategies. We analyze financial situations, answer legal questions, and recommend solutions tailored to individual circumstances. This service helps clients make informed decisions about their financial future.
People
Andres Montejo
Attorney
Andres Montejo earned a Juris Doctor from Nova Southeastern University in 2003 and has practiced bankruptcy law for 20+ years. He holds admissions to Florida and Washington D.C. Bars, as well as federal courts in Florida and D.C. His expertise includes complex debt restructuring, foreclosure defense, and asset protection strategies for South Florida residents.
Questions
What is bankruptcy?
Bankruptcy allows individuals or businesses to eliminate or restructure debts through legal processes like Chapter 7 or 13.
What's the difference between secured and unsecured debt?
Secured debt involves collateral like homes or cars, while unsecured debt includes credit cards with no asset backing.
Which bankruptcy chapter should I file?
Chapter 7 eliminates debts quickly, while Chapter 13 restructures payments over time based on your financial situation.
Can I change bankruptcy chapters?
Yes, you can convert cases once if eligible, but consult a lawyer to understand implications.
What debts can't be discharged?
Non-dischargeable debts include student loans, recent taxes, alimony, and debts from fraud or criminal activity.
Will I lose my home in bankruptcy?
Chapter 13 protects homes with payment plans, while Chapter 7 may require liquidating non-exempt equity.
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