Law Office of Alberto H. Hernandez, P.A. - Hialeah, FL

Over Three Decades of Bankruptcy and Foreclosure Defense

Overwhelming financial distress can make you feel as though options have run out, but federal and state laws provide powerful legal protections to regain control. The Law Office of Alberto H. Hernandez, P.A. delivers seasoned, compassionate legal representation for individuals and small business owners throughout Hialeah, Miami Lakes, and surrounding communities in Miami-Dade, Broward, and Palm Beach counties. Founded in 1991 by attorney Alberto H. Hernandez, a graduate of Cornell University and the University of Florida Levin College of Law, the practice is exclusively focused on debtor advocacy. With an impeccable Bar record spanning more than thirty-three years, Mr. Hernandez provides the deep technical acumen necessary to eliminate debt, protect family homes, and halt aggressive creditor actions. When you need to hire a lawyer who combines extensive courtroom experience with individualized attention, this practice delivers practical, enduring solutions.

Chapter 7 and Chapter 13 Bankruptcy Representation

Filing for bankruptcy protection is often the most direct and reliable path toward wiping out burdensome liabilities and securing a clean financial slate. As an active member of the National Association of Consumer Bankruptcy Attorneys, Alberto H. Hernandez carefully evaluates client qualifications under the federal means test to determine the optimal bankruptcy filing strategy. If you need a lawyer urgently to halt foreclosure auctions or eliminate crushing balances, the firm provides aggressive legal guidance:

• Chapter 7 Consumer Bankruptcy: Completely discharging qualifying unsecured obligations such as credit cards, medical bills, personal loans, and repossession deficiencies while retaining exempt property under Florida statutory protections.
• Chapter 13 Debt Reorganization: Formulating structured court-approved three- to five-year repayment plans that consolidate debts into manageable monthly payments without escalating interest or punitive charges.
• Small Business Bankruptcy: Assisting sole proprietorships and small business enterprises in resolving business debts and restructuring liabilities to keep commercial activities viable.
• Wage Garnishment and Creditor Lawsuit Defense: Activating the federal automatic stay to immediately stop collection lawsuits, end harassing phone calls, and release frozen bank accounts.

Foreclosure Defense and Residential Loan Modifications

The threat of losing your home to bank foreclosure is traumatic, but homeowners possess substantial procedural defenses under Florida law. Alberto H. Hernandez works tirelessly to defend borrowers in circuit court foreclosure proceedings, challenging lender standing, exposing improper loan servicing practices, and preventing default judgments. If you are looking to find an attorney to help keep your primary residence, the firm actively pursues loss mitigation remedies, including court-supervised mortgage modifications, principal forbearance, short sales, and deeds in lieu of foreclosure. By asserting timely defenses, the practice helps families preserve their homes and safeguard hard-earned equity.

Out-of-Court Debt Settlement and Credit Defense

For individuals who do not wish to file for formal bankruptcy or who have specific creditor disputes, the firm provides strategic out-of-court debt settlement and credit card defense. Alberto H. Hernandez negotiates directly with major financial institutions, debt buyers, and collection agencies to settle balances for a fraction of the outstanding claims. The firm scrutinizes debt collection practices to ensure full compliance with consumer protection statutes, defending clients against unlawful collection harassment and deceptive credit reporting.

Schedule Your Free Debt Relief Consultation

Navigating debt challenges does not have to be an isolating experience. At the Law Office of Alberto H. Hernandez, P.A., your initial consultation is always free, confidential, and directly with attorney Alberto H. Hernandez. The firm provides flexible payment plans, accepts major credit cards, and accommodates after-hours and Saturday appointments upon request. Complete bilingual legal services in english and spanish ensure clear and comfortable communication throughout every step of your case. Contact the Hialeah office today to schedule a consultation and take your first step toward debt-free living.