Kingcade Garcia McMaken

09/11/2026

Today, we remember the lives lost and honor the courage that united a nation.

09/10/2026

Can Bankruptcy Erase Medical Bills in Florida❓ https://www.miamibankruptcy.com/blog/2026/08/can-bankruptcy-erase-medical-bills-in-florida/

09/09/2026

Beyond the numbers: Cracking Florida’s Chapter 7 Income Code in 2026 ⚖️
https://www.miamibankruptcy.com/blog/2026/08/beyond-the-numbers-cracking-floridas-chapter-7-income-code-in-2026/
The median income figures adjust periodically to reflect economic changes. For cases filed between April 1, 2026, and July 14, 2026, Florida’s means test thresholds are:

👨 Single individual: $69,876
👫 Two-person household: $86,523
👪 Three-person household: $97,540
👫👧👶Four-person household: $114,761
For households exceeding four people, add $11,100 for each additional person. Since these figures are adjusted it is important to review test figures to make sure you are using the most current thresholds.

Questions❓ Consulting with an experienced Florida bankruptcy attorney helps to better ensure you understand which path best suits your circumstances and maximizes your opportunity for a fresh financial start. Your income level determines the route, but not your ability to find relief from overwhelming debt.
📞 (305) 285-9100
🏢 1370 Coral Way, Miami, FL 33145

09/03/2026

We’ve been nominated for Miami Herald's "Best of Miami!"🏆 Miami-Dade Favorites
Our firm would be honored to have your vote!
Simply click on the link below👇 and go to the LAW category, click on BANKRUPTCY LAW and scroll to the bottom to click on KINGCADE GARCIA MCMAKEN. 🗳
https://www.votemiamidade.com/
It’s takes less than 30 seconds and would mean the world to us!
Cast your vote for our firm as ‘Best Bankruptcy Law Firm.’ Link in bio.

Vote once per day from August 17 through September 4.

08/27/2026

Choosing Between Chapter 13 and Chapter 7 Bankruptcy in Florida.⚖️

When financial hardship becomes overwhelming, bankruptcy can offer a fresh start. However, it is important to select the right chapter for your financial recovery. Understanding when to file Chapter 13 versus Chapter 7 bankruptcy in Florida can make a significant difference in your outcome.

In our latest blog, we discuss which is the better option for your financial situation: Chapter 13 or Chapter 7❓ https://www.miamibankruptcy.com/blog/2026/08/choosing-between-chapter-13-and-chapter-7-bankruptcy-in-florida/

💸 Free Consultation
📞 305-285-9100
🌐 www.miamibankruptcy.com

08/26/2026

How Long Does Bankruptcy Appear on Your Credit Report in Florida❓

Filing for bankruptcy in Florida can leave a mark on your credit history. However, it doesn’t stay there forever.

In our latest blog, we discuss the impact bankruptcy has on your credit report in Florida.
➡️ https://www.miamibankruptcy.com/blog/2026/08/how-long-does-bankruptcy-appear-on-your-credit-report-in-florida/

The credit reporting timelines set by federal law apply regardless of where you file, but the steps you take after filing, from monitoring your credit to building new payment history, can influence how quickly your financial profile recovers. If you have questions about how bankruptcy fits your specific situation, an attorney familiar with Florida bankruptcy law can explain the process and what to expect after filing.
💸 Free Consultation
📞 305-285-9100
🌐 www.miamibankruptcy.com

08/25/2026

Can I Keep My House If I File for Bankruptcy in Florida?🏠

For many Florida families, one of the greatest concerns when considering bankruptcy is protecting the residence. Fortunately, filing Chapter 13 does not automatically put your home at risk. Whether you can keep it depends on several factors, including your mortgage status, available equity, the chapter you choose and whether the home qualifies under Florida’s homestead exemption.

Find out how Florida’s homestead exemption protects your equity. https://www.miamibankruptcy.com/blog/2026/08/can-i-keep-my-house-if-i-file-for-bankruptcy-in-florida-3/

If you have questions on this topic or are in a financial crisis and considering filing for bankruptcy, contact an experienced Miami bankruptcy attorney who can assist you and address all your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade Garcia McMaken has been helping people from all walks of life build a better tomorrow. Our attorneys help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild, and recover.
💼 30+ Years of Bankruptcy Experience
⚖️ Expert in Ch 7 and Ch 13
❌ Stop Garnishments and Lawsuits TODAY!
💸 Free Consultation
📞 305-285-9100
🌐 www.miamibankruptcy.com

08/21/2026

What Happens If I Can't Payback a Payday Loan?💸

In our latest blog we discuss the consequences of not being able to pay back these loans and the rights consumers have.

➡️ https://timothykingcade.com/2026/08/19/what-happens-if-i-cant-payback-a-payday-loan/


If you have questions on this topic or are in a financial crisis and considering filing for bankruptcy, contact an experienced Miami bankruptcy attorney who can assist you and address all your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade Garcia McMaken has been helping people from all walks of life build a better tomorrow. Our attorneys help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild, and recover. The day you hire our firm; we will contact your creditors to stop the harassment.

💼 30+ Years of Bankruptcy Experience
⚖️ Expert in Ch 7 and Ch 13
❌ Stop Garnishments and Lawsuits TODAY!
💸 Free Consultation
📞 305-285-9100
🌐 www.miamibankruptcy.com

08/20/2026

Can You Still File for Chapter 7 Bankruptcy Even When Unemployed?
Job loss often comes with immediate financial concerns. Bills continue arriving even when paychecks stop. Fortunately, lack of employment does not prevent access to Chapter 7 bankruptcy. This form of debt relief remains an option for those facing financial hardship without steady income.
➡️ Visit our latest blog to learn about the Chapter 7 filing process and Florida bankruptcy exemptions that protect property like homes, vehicles and personal belongings. https://www.miamibankruptcy.com/blog/2026/08/can-you-still-file-for-chapter-7-bankruptcy-even-when-unemployed/

08/12/2026

Florida Leads the Nation in Foreclosure Filings, according to the property data company, ATTOM. https://timothykingcade.com/2026/08/11/florida-leads-the-nation-in-foreclosure-filings/

When Can a Foreclosure Start in Florida?

Foreclosure generally cannot begin until a homeowner is more than 120 days behind on mortgage payments. This period gives the homeowner time to submit a loss mitigation application before the foreclosure process starts. Additionally, almost all mortgages in the state of Florida have the right of “reinstatement.” This means that, if at any time during the foreclosure litigation process the borrower comes up with the money for the late payments or can make a deal with the bank to cure the arrearages or late payments, legally the bank must dismiss the foreclosure action.

If you cannot make your monthly mortgage payments, you have options available to you that can keep you from losing your home.

📢 REMEMBER: In Florida, the homeowner has rights when it comes to foreclosure! But do not delay.

🏠 Choosing the right attorney can make the difference between keeping your home or losing it in foreclosure. A well-qualified Miami foreclosure defense attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. Do not wait to speak with a trusted, aggressive client advocate who can help you in your effort to save your house. Contact our law office for a free consultation.
📞 305-285-9100
Learn tips to defending your Florida home from foreclosure, by visiting: https://www.miamibankruptcy.com/protecting-your-assets/foreclosure-defense/