Every year millions of Americans file for bankruptcy protection. However, we understand that this does not make the decision to see a bankruptcy lawyer or file for bankruptcy an easy one. At The Bankruptcy Law Firm of Orfelia M. Mayor, P.A., we want you to know that you are not alone in this difficult process. We want to make the experience as positive for you as possible by ensuring that you are properly informed throughout the entire process. This firm is conveniently located in the South Broward area.  We are just a few minutes away from Pembroke Pines, Miramar, Hollywood, Plantation, Cooper City, Sunrise, and Fort Lauderdale.  Before deciding to file bankruptcy, you should make sure that your questions are addressed and you are comfortable with this decision. 

• Professional Approach -- Our approach to guiding clients on whether or not to file for bankruptcy is analyzing the numbers and recommending that you treat this as a business decision. We do not engage in any moral guidance on whether or not Bankruptcy is right. We believe that the credit industry is doing quite well and continue to positively position themselves financially at your expense. Furthermore, we have no sympathy for banks and lenders who loan money at ridiculous interest rates and one-sided terms.

• Free Initial Consultation - You will have a free initial consultation with bankruptcy attorney Orfelia Mayor. At the meeting, your personal financial situation will be discussed and analyzed to see if bankruptcy is the right debt relief option for you. We will talk about how bankruptcy works with focus on the differences between Chapter 7 and Chapter 13. Additionally, we will discuss the various advantages, disadvantages, and cost associated with all the debt relief options. As stated above, our analysis will focus on whether this is a proper business decision for you.

• Up Front and Reasonable Prices -- We believe that the legal cost of bankruptcy should be affordable and available to anyone who needs the relief from creditors. Therefore, all the fees associated with a bankruptcy are discussed up front and flexible payment plans are available with as little as $50.00 down.

  • Chapter 7 -- To file a bankruptcy, you must pay the legal fees, court filing fee ($299) and administrative costs of $150.00. These fees must be paid in full prior to filing.  However, potential clients are allowed to formulate a payment plan that works for them prior to filing. You will also have to pay for the mandatory credit counseling course prior to filing. This course should cost approximately $30.00 and is paid to the agency that provides the counseling.

  • Chapter 13 -- A Chapter 13 case is more complex and will normally have higher legal fees overall. However, a good portion of those fees are incorporated into your payment plan and are paid from your monthly payment to the trustee. This means that your case doesn't have to be paid in full before filing. In addition to legal fees, you must pay the court filing fee of $274 and administrative costs of $150 (this covers the cost of your credit reports, postage, copying, etc). As with Chapter 7, potential clients are allowed to formulate a payment plan that works for them with as little as $50.00 down. You will also have to pay for the mandatory credit counseling course prior to filing. This course should cost approximately $30.00 and is paid to the agency that provides the counseling.

• Personalized service by an attorney - This firm is committed to providing excellent legal services to each and every client.  We believe that you are hiring an attorney, not a law firm of secretaries and legal assistants. Your case will be handled by bankruptcy attorney Orfelia Mayor every step of the way. Your calls will be returned by your lawyer. Bankruptcy attorney Orfelia Mayor will be personally involved in your case. You will not be shuffled between secretaries and legal assistants like other bankruptcy law firms. Our office maintains a call back policy that commits to returning your telephone call or responding to your emails within the same day. If you call our office and no one is available, then someone from our office will call you back within two hours (during normal business hours). This availability is ensured by limiting our case load and not taking on more cases than can be serviced with excellence. We believe our best source of business are happy, satisfied customers and the referrals they provide.

• We are your Legal Team -- We do not routinely hire other attorneys to cover creditor meetings or any other matter.  Bankruptcy attorney Orfelia Mayor will be at any and all proceedings, including your meeting of creditors. If an exigent circumstance arises where she can't personally attend (and these don't happen often), you will be notified beforehand and told who will be covering.

• Technology Driven - Our office utilizes online software that will allow you to enter the information about your case from the comfort of your home. This streamlines the information gathering process for us and lets you save time and effort by filling out the information at home - where you have everything at your fingertips. This eliminates getting to the office and discovering that you forgot an important document.

• Evening and Weekend Appointments - We know you are busy or don't want to miss time from work. You are already under enough stress from bill collectors - so we have convenient evening and weekend hours available. Contact our office for more details.  We are located 5-10 minutes north of Pembroke Pines, Hollywood and Miramar, off University Drive and Griffin Road.
  

• Bi-lingual Staff -- Our staff speaks English and Spanish.

• We don't represent Creditors -- This is important. Some bankruptcy lawyers also represent creditors. We don't and never will. We are totally devoted to representing only good, hardworking people - just like you and protecting them from creditors. Our loyalty is to you.

• Diversity Driven -- Broward County is blessed to have a diverse population of people from all walks of life.  Orfelia and her staff are pleased to deliver caring, personalized and professional service to members of every community in Broward.  We welcome our Caribbean and Hispanic neighbors and members of the gay, lesbian, bixexual and transgender (GLBT) community who need answers to their financial questions regarding bankruptcy. 
  

The Bankruptcy Law Firm of Orfelia M. Mayor, P.A. handles bankruptcy cases in Miami, Hollywood, Fort Lauderdale, Plantation, Pembroke Pines, Sunrise, Cooper City, Coconut Creek, Davie, Dania, Deerfield Beach, Hollywood, Hallandale, Inverrary, Lauderdale-By-The-Sea, Lauderdale Lakes, Lauderhill, Margate, Lighthouse Point, North Lauderdale, Miramar, Oakland Park, Pembroke Park, Tamarac, Weston, Wilton Manors, Pompano, Coral Springs, Boca Raton, Delray and South Florida.