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Providing Legal Debt Relief Solutions
for Miami Area Clients since 1991

• Are you overwhelmed by debt?

• Are you being harassed by creditors?

• Have you gotten a summons from a collection agency?

• Have you exhausted your options and are looking for honest legal advice?

At the Law Offices of Alberto Hernandez, I can provide you with practical legal help to get you back on track financially and ease your stress. Contact me today for a consultation.

Straightforward, Legal Debt Relief

Too many banks and other organizations promising to help people get out of debt treat their clients as numbers. Their main concern is preventing you from defaulting on your debts so they can protect their income stream.

Filing for bankruptcy is a choice to take seriously. There are other options, and I can help you determine what is the best choice for you.

As a bankruptcy lawyer, I help people get the debt relief they need with personalized, practical services. The process doesn't have to be complicated — I will work with you and make sure you understand all of your options. I'll also respond to your situation in a timely manner while minimizing any paperwork for you.

I offer legal services focused on helping individuals and small businesses manage or discharge their debts:

• Chapter 7 bankruptcy: Chapter 7 is a consumer and business bankruptcy option that wipes out many types of debt completely. However, it may require some assets to be sold to creditors in order to repay at least a portion of the debt.
• Chapter 13 bankruptcy: This type of consumer bankruptcy involves having a judge set up a 3-5 year repayment plan for all of an individual's or family's debt with a reduced interest rate and no penalties. Even if you can't afford to pay off all of your debts in 5 years, if you make all of your payments, your debts will be legally considered paid.
• Home foreclosure defense: I help people find long-term solutions to prevent foreclosure and keep their homes.
• Consumer collections defense: If you have a collection agency coming after you, but your debt was based on a fraudulent sub-prime mortgage, consumer fraud, a "lemon" car that could be covered by the Florida's Lemon Law or other issues, I may be able to help you.
• Servicios en español: Se ofrece servicios de abogado en quiebra capitulos 7 y 13.

Know Your Rights

I offer services to individuals and small businesses throughout the greater Miami area. Contact me by e-mail or call me toll free at (877) 820-0334 for a consultation.

My law office is conveniently located close to I-75 and the Palmetto Expressway 826. My office hours are Monday to Friday, 8:30 a.m. to 5:30 p.m., and I offer evening and Saturday appointments by special arrangement.