Mary Reyes and Calas-Johnson, P.A. - Miami, FL

Compassionate Bankruptcy and Debt Relief Advocacy in Miami

Severe financial adversity can disrupt every aspect of daily life, causing immense emotional anxiety and threatening hard-earned family assets. For more than two decades, Mary Reyes and Calas-Johnson, P.A. has served individuals and families across South Florida seeking a reliable path out of insurmountable debt. Founded in 2002 by partners Mary Reyes and Desiree Calas-Johnson, both practicing bankruptcy attorneys since 1997, the boutique law firm delivers direct, hands-on legal counsel tailored to each client unique circumstances. When debtors find themselves overwhelmed by unexpected hospital bills, credit card balances, or vehicle repossessions, they can turn to dedicated bankruptcy lawyers who provide clear, honest guidance without passing cases to outside intermediaries.

Practical Debt Relief and Asset Protection Solutions

The practice concentrates on core consumer insolvency relief options under federal law, formulating custom strategies designed to help clients regain lasting financial independence:

• Chapter 7 Bankruptcy Filings: Designed for individuals facing burdensome unsecured liabilities, chapter 7 liquidation allows eligible debtors to eliminate credit card obligations, medical debts, personal loans, and deficiency balances while maximizing statutory Florida asset exemptions.
• Chapter 13 Debt Reorganization: For homeowners striving to catch up on delinquent mortgage payments or wage earners with steady income exceeding chapter 7 qualification thresholds, chapter 13 establishes a structured court-supervised repayment schedule spanning three to five years.
• Foreclosure Defense and Mortgage Solutions: When mortgage lenders initiate foreclosure actions, timing is critical. Working closely alongside residential real estate lawyers, the firm helps property owners utilize bankruptcy protections and pursue loan workouts to keep their homes.
• Halting Creditor Harassment: The moment a bankruptcy petition is formally docketed, the automatic stay goes into immediate legal effect, instantly freezing aggressive collection phone calls, wage garnishments, and bank account attachments.
• Second Mortgage Elimination: In situations where residential property values have dropped below the primary mortgage balance, the firm explores lien-stripping remedies under chapter 13 to remove burdensome junior mortgages.

Why Work with Mary Reyes and Calas-Johnson, P.A.

Resolving serious insolvency matters demands empathetic communication combined with profound technical familiarity with the Southern District of Florida bankruptcy court procedures. Clients choose to hire an attorney at Mary Reyes and Calas-Johnson, P.A. because of the firm steadfast commitment to personalized service. From the first meeting through final discharge, clients work directly with attorney Mary Reyes rather than unfamiliar case managers. Fully bilingual representation ensures Spanish-speaking individuals receive attentive counsel in their preferred language, ensuring total transparency throughout every stage of the legal process.

Schedule a Free Consultation to Reclaim Your Peace of Mind

You do not have to struggle under perpetual economic distress or face relentless collection actions alone. If you need a lawyer urgently to stop an impending foreclosure sale or want to find an attorney who truly cares about your long-term economic well-being, prompt legal assistance is available. Contact Mary Reyes and Calas-Johnson, P.A. today to schedule a free consultation and explore effective strategies supported by seasoned debt relief lawyers who will fight for your future.