Alexis Garcia Legal, LLC

Alexis Garcia Legal, LLC Alexis Garcia Legal is a boutique law firm focused on Bankruptcy and Estate Planning.

If you're a business owner considering Subchapter V, the question we hear most isn't "am I eligible" — it's "what actual...
08/28/2026

If you're a business owner considering Subchapter V, the question we hear most isn't "am I eligible" — it's "what actually happens to my business once I file?"

Here's the short version: the moment you file, the automatic stay stops collection calls and lawsuits immediately.

A private trustee is appointed to help facilitate the process (not take over your business — you stay in control as a "debtor in possession").

Within about 60 days, the court holds a status conference to check progress. You file your reorganization plan within about 90 days.

And at confirmation, Subchapter V offers a real advantage over traditional Chapter 11: you can often get your plan confirmed and keep your equity in the business even without every creditor's agreement.

Most cases reach confirmation within six months to a year — significantly faster than traditional Chapter 11, which can drag on for years.

We wrote a full step-by-step breakdown of the entire process. Link below 👇

alexisgarcia.legal/subchapter-v-bankruptcy-timeline-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — we'll help you understand exactly what to expect before you file.

A single emergency room visit, surgery, or hospital stay can generate bills that outpace what any reasonable payment pla...
08/25/2026

A single emergency room visit, surgery, or hospital stay can generate bills that outpace what any reasonable payment plan could cover — even for people who are otherwise financially responsible and current on everything else.

Here's what a lot of people don't realize: medical debt gets no special treatment in bankruptcy, and in this case, that works in your favor. It's classified the same as credit card debt — general unsecured debt — which means it's fully dischargeable in Chapter 7 with none of the extra hurdles that apply to things like student loans or certain taxes. No separate court proceeding, no hardship standard to prove.

We wrote a full breakdown of how medical debt is treated in bankruptcy, what happens if it's been sold to a collector and you're being sued, and when negotiating directly with your provider might make more sense than bankruptcy. Link below 👇

alexisgarcia.legal/medical-debt-and-bankruptcy-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation.

Divorce and debt problems often arrive together — and if you're facing both at once, timing your bankruptcy filing can g...
08/21/2026

Divorce and debt problems often arrive together — and if you're facing both at once, timing your bankruptcy filing can genuinely change the outcome for you.

Filing a joint bankruptcy case before your divorce is finalized tends to work well when both spouses are still cooperating: it's one filing fee, one case, and once shared debt is discharged, there's often much less to fight over in the divorce itself.

Filing individually after the divorce is usually the more realistic option when the relationship isn't cooperative — but there's a catch a lot of people don't realize: your divorce decree doesn't bind your creditors.

Even if the decree assigns a joint debt to your ex, the creditor can still come after you if your ex doesn't pay, since you both originally signed for it.

We wrote a full breakdown of how filing before, during, or after divorce plays out, what bankruptcy can never touch (child support and alimony), and how property settlement debts are treated differently between Chapter 7 and Chapter 13. Link below 👇

alexisgarcia.legal/divorce-and-bankruptcy-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — we'll help you think through both processes together.

If you can no longer afford your mortgage, it can feel like foreclosure is just something that happens to you. In realit...
08/18/2026

If you can no longer afford your mortgage, it can feel like foreclosure is just something that happens to you. In reality, a short sale is often an available alternative — and while neither option is painless, they can look very different when it comes to your credit, your legal exposure, and your ability to move forward afterward.

Here's what a lot of homeowners don't realize: both a short sale AND a foreclosure can leave you owing a deficiency judgment if the home sells for less than what you owe. The difference is negotiating power — in a short sale, you and your lender agree to the terms up front, and it's common to negotiate a waiver of that deficiency. In foreclosure, the court often decides after the fact, with far less room to negotiate.

We wrote a full comparison covering credit impact, tax consequences, timeline, and how bankruptcy's automatic stay can sometimes buy time to complete a short sale instead. Link below 👇

alexisgarcia.legal/short-sale-vs-foreclosure-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — the earlier you explore your options, the more control you have over the outcome.

When a business is drowning in debt, "bankruptcy" can sound like one final outcome — close the doors and start over. In ...
08/13/2026

When a business is drowning in debt, "bankruptcy" can sound like one final outcome — close the doors and start over.

In reality, there are several very different paths, and choosing the right one depends on your business structure, how much debt you're carrying, and whether the goal is to save the business or wind it down responsibly.

Chapter 7 liquidates a business with no path forward.

Traditional Chapter 11 lets larger businesses reorganize while continuing to operate.

Subchapter V is a faster, less expensive reorganization option built specifically for small businesses.

And Chapter 13 gives sole proprietors a way to keep working while repaying debt through a court-approved plan.

We broke down how each one actually works and how to think through which fits your situation. Link below 👇

alexisgarcia.legal/business-bankruptcy-options-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — we'll help you understand your real options before you decide.

Ok so every now and then I am going to ask this of my friends, family, clients, and business relationships.If we've ever...
08/10/2026

Ok so every now and then I am going to ask this of my friends, family, clients, and business relationships.

If we've ever done business together, or if I've helped you in any way legally, and you were happy with the results, would you mind taking 2 minutes to leave me a Google review?

👉 https://g.page/r/CQNlKA7-Nb3pEBM/review

I hate to be a bother, but these reviews really do help build trust with people who are reaching out to me for the first time — a lot of them are scared and just looking for someone they can trust. Your words help them take that first step.

Thank you, I appreciate you. 🙏

I get asked this question a lot: "Can I just file bankruptcy myself?"The honest answer is yes — Florida law doesn't requ...
08/10/2026

I get asked this question a lot: "Can I just file bankruptcy myself?"

The honest answer is yes — Florida law doesn't require you to hire an attorney. But there's a real gap between being legally allowed to do something and it being a good idea, and bankruptcy is one of those areas where that gap can get expensive.

The means test alone has a complicated second stage that trips people up. Florida's exemption laws (including the homestead exemption) determine what property you actually get to keep — miss one, and a trustee can sell an asset that could've been fully protected. And simple paperwork mistakes, like an incomplete schedule or a missed deadline, can get a case dismissed or a discharge denied entirely.

We wrote a full, honest breakdown of what pro se filing actually involves, the most common mistakes we see, and when self-filing might genuinely make sense. Link below 👇

alexisgarcia.legal/can-i-file-bankruptcy-myself-florida/

Serving Miami, Doral, Kendall & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — we'll help you understand exactly what's at stake before you file anything.

"Cut your debt in half!" — if you've seen those debt settlement ads, here's what's usually left out of the pitch.Debt se...
08/07/2026

"Cut your debt in half!" — if you've seen those debt settlement ads, here's what's usually left out of the pitch.

Debt settlement companies ask you to stop paying your creditors and save up for a lump-sum offer instead. Sounds simple, but in practice: creditors aren't required to accept the deal, your accounts fall further behind while you save, you can still get sued mid-program, and any debt that IS forgiven can be taxed as income the following year. Add in fees of 15-25% of your enrolled debt, and the math often doesn't work out the way the ads promise.

Bankruptcy works differently. It's not a negotiation — it's a guaranteed, court-ordered discharge. The moment you file, collection calls, lawsuits, and wage garnishment stop immediately (that's called the automatic stay), and a Chapter 7 case typically resolves in 3-4 months, compared to the 2-4 years many settlement programs take.

We wrote a full, honest comparison of both options — including when debt settlement genuinely IS the better fit — so you can make the decision with real information instead of an ad's promises.

Read it here: alexisgarcia.legal/debt-settlement-vs-bankruptcy-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — we'll walk through your actual numbers with you.

If you've fallen behind on your mortgage, you've probably heard two terms thrown around: loan modification and foreclosu...
08/05/2026

If you've fallen behind on your mortgage, you've probably heard two terms thrown around: loan modification and foreclosure defense. They're not the same thing, and picking the wrong one — or waiting too long to act — can cost you time you don't have.

A loan modification renegotiates your mortgage terms directly with your lender. Foreclosure defense challenges the lawsuit itself, buying you time and protecting your rights. In many cases, the strongest approach is doing both at once.

We broke down how each works, when each makes sense, and why the clock starts ticking the moment you're served. Link below 👇

alexisgarcia.legal/loan-modification-vs-foreclosure-defense-florida/

If you're facing foreclosure, don't wait — call us at 305-428-2858 for a free consultation.

One missed credit card payment doesn't feel like a big deal — until the late fees stack up, your interest rate jumps, an...
08/03/2026

One missed credit card payment doesn't feel like a big deal — until the late fees stack up, your interest rate jumps, and a few months later you're getting calls from a debt collector instead of your original card company.

We put together a full breakdown of exactly what happens after a missed payment: when it hits your credit report, when the penalty APR kicks in, when the account gets charged off and sold to collections, and at what point a lawsuit becomes a real possibility.

If you're already behind and minimum payments aren't cutting it anymore, it may be time to look at your real options. Link below 👇

alexisgarcia.legal/missed-credit-card-payment-florida/

Give us a call at 305-428-2858 for a free consultation — we're happy to walk through what makes sense for your situation.

Address

11420 N. Kendall Drive , Suite 108
Miami, FL
33176

Telephone

+13054282858

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