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Pembroke Pines Chapter 7 and 13 Bankruptcy Attorney | Broward County Foreclosure Defense Lawyer | Fort Lauderdale FL | Pembroke Pines, FL attorney
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Practice Areas

South Florida Attorney Practice Areas: Chapter 7 and 13 Bankruptcy, Foreclosure

For counsel and representation in real estate, foreclosure or bankruptcy in South Florida, contact the Law Offices of Maite L. Diaz, P.A. Discuss your concerns, needs, opportunities and legal rights with a lawyer who will take the time to listen and educate you on what the law allows.

Florida lawyer Maite Diaz handles legal matters including the following:

Foreclosure Defense: Do any of these scenarios apply to you as you face foreclosure?

  • You wish to make the process last as long as possible, and stay in your home as long as you can.
  • You may be confused about your legal rights during the foreclosure process and want to make sure that you are being dealt with fairly.
  • You seek loan modification or forbearance from the mortgage lender.
  • You wish to expedite the foreclosure process and walk away as soon as you can with no remaining money owed.

Foreclosure Alternatives (Short-Sales, Loan Modifications, Deed in Lieu of Foreclosure:

  • Short sales: You sell your home at less than what you owe on your mortgage, and the lending institution may forgive the difference.
  • Loan modifications: The lender may agree to modify the terms, principal balance or interest rate of your mortgage, making monthly payments affordable again.
  • Deed in lieu of foreclosure: The lender may agree to take possession of the property by transfer of deed with no additional money owed and no reporting of the transaction on your credit report.

Bankruptcy: Bankruptcy is not a shameful matter. It is a legitimate legal remedy to the problem of crushing debt.

Chapter 7: Chapter 7 bankruptcy is sometimes referred to as “debt discharge” bankruptcy. Most Floridians facing financial difficulties still qualify for this type of Bankruptcy where unsecured debts are eliminated completely if the debtor is financially unable to repay the debts.

Chapter 13: When you go through “means testing,” you may learn that you have too many assets or too much income to qualify for Chapter 7 “debt discharge” bankruptcy. Chapter 13 may be the appropriate debt relief remedy. It involves a repayment plan of a portion or all of your debts in a plan tailored to fit your budget.

Life After Bankruptcy: Financial recovery after a Bankruptcy can happen relatively quickly. Learn how can you best position yourself for a strong financial recovery after Chapter 7 or Chapter 13 bankruptcy?

What Can Be Kept in a Florida Bankruptcy: Bankruptcy laws allow most bankruptcy filers to keep many assets, including up to 100% of the equity in their primary home.

Title and Real Estate Closings (Residential and Commercial): To ensure that your legal rights are protected when you buy or sell real estate in Florida, contact an attorney with experience in title searches and real estate closings.

Condo Pre-Construction Deposit Recovery: You may have put down a 10% or 20% construction deposit with plans to purchase and inhabit or lease out a multi-family high rise condominium under development, and are now unable to follow through on your plan to buy - or no longer wish to buy.

Get clarification about your legal situation regarding real estate or bankruptcy from a reliable source. Talk to an attorney who is committed to providing personalized counsel, beginning with a free initial consultation. Contact the Law Offices of Maite L. Diaz, P.A. by phone or by e-mail through this Web site. Explore the site to learn more about our law practice or call for a prompt response.

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