Miller & Funcia, P.A. - Miami, FL

Comprehensive Debt Relief and Bankruptcy Advocacy in Miami

Experiencing crushing consumer debt, wage garnishments, or the looming threat of home foreclosure can feel insurmountable. Miller and Funcia, P.A. was established to provide South Florida residents with compassionate, direct, and results-driven legal defense. Conveniently located on North Kendall Drive in Miami, Florida, the firm serves clients throughout Miami-Dade, Broward, and Palm Beach counties. With more than thirty-five years of collective legal experience, the attorneys are committed to demystifying federal bankruptcy laws and designing customized strategies that restore financial security and peace of mind.

When creditors refuse to cooperate and debt collectors become relentless, finding the right legal counsel is the first critical step toward reclaiming control. Whether you need to hire an attorney to discharge unsecured credit card balances or find a lawyer who can halt a scheduled foreclosure auction on your primary residence, Miller and Funcia, P.A. provides personalized attention. Unlike impersonal high-volume debt clinics where clients are passed from assistant to assistant, founders Josh Miller and Jose Pedro Funcia maintain direct communication, personally evaluating every case to determine the most effective debt relief path.

Core Practice Areas and Legal Solutions

As dedicated bankruptcy lawyers and immigration advocates, the firm provides comprehensive legal representation across several interconnected areas of practice:

• Chapter 7 bankruptcy lawyers: Assisting qualifying individuals and households in passing the Florida bankruptcy means test to eliminate burdensome unsecured debts, including medical bills, credit cards, and personal loans, while maximizing statutory asset exemptions.
• Chapter 13 debt reorganization: Structuring affordable three-to-five year debt repayment plans under court supervision to catch up on delinquent mortgage arrears, eliminate junior liens, and protect valuable personal property from repossession.
• Debt relief lawyers and foreclosure defense: Challenging predatory lending practices, negotiating loan modifications, and asserting procedural defenses to protect homeowners facing judicial foreclosure in Florida circuit courts.
• Wage garnishment and lawsuit defense: Filing emergency bankruptcy petitions to trigger the federal automatic stay, immediately halting creditor lawsuits, bank account freezes, and wage garnishments.
• Family immigration lawyers: Helping immigrant families unite through green card petitions, consular processing, adjustment of status, and spousal immigrant visas.
• Citizenship lawyers and deportation defense: Preparing permanent residents for naturalization examinations, defending against deportation proceedings, and navigating complex USCIS admissibility requirements.

Immediate Protection Through the Federal Automatic Stay

One of the most powerful legal protections available under federal law is the automatic stay. The moment a bankruptcy petition is filed by Miller and Funcia, P.A., all collection attempts by creditors, collection agencies, and foreclosure attorneys must cease instantly. When individuals need an attorney urgently to stop an impending foreclosure sale, block a bank garnishment, or prevent vehicle repossession, the firm moves swiftly to file emergency paperwork, ensuring clients receive immediate statutory protection.

Accessible Counsel Fluent in English, Spanish, and Portuguese

South Florida is a vibrant, multilingual community, and legal services should reflect that diversity. Operating from 9555 North Kendall Drive, Suite 211, Miller and Funcia, P.A. proudly offers consultations in English, Spanish, and Portuguese. With flexible weekday evening and Saturday morning hours, the firm ensures that hardworking families have convenient access to experienced legal guidance when they need it most.