Practice Areas

When a business is no longer able to pay its debts and liquidation appears inevitable, choosing the right exit strategy can make a critical difference. Florida businesses facing financial distress often find that traditional bankruptcy is not always the most efficient solution. For those looking to wind down operations in a structured, private, and cost-effective way, an Assignment for the Benefit of Creditors may offer the right path.

Many individuals and businesses in South Florida face debt they can no longer manage. Whether it stems from medical bills, credit cards, job loss, or a business downturn, financial pressure can impact every part of your life. You may be dealing with constant calls from collection agencies, pending lawsuits, and not enough income to cover basic expenses. Without legal guidance, these problems can escalate quickly.

Boundary Disputes

Owning property in South Florida comes with challenges, especially when neighbors dispute property lines. A fence built over your lot, a driveway claimed by someone else, or a disagreement over a tree line can quickly become a legal dispute. These conflicts can delay development, block sales, and cause long-term frustration.

Homeowners Association (HOA) Issues

Disputes with a homeowners association (HOA) often extend beyond minor disagreements—they can lead to legal claims affecting your property rights, marketability, and overall home value. Issues like improper liens, disputed assessments, and unauthorized rule changes can create serious real estate complications. Whether you’re a homeowner or part of an association board, it’s essential to understand how Florida real estate law governs these matters.

Falling behind on mortgage payments can lead to a foreclosure lawsuit. In Florida, lenders can file suit through the courts, and homeowners must respond quickly to avoid default and the risk of losing their homes.

Conflicts involving property can quickly affect your finances, business operations, or ability to move forward with a sale or project. In South Florida’s competitive market, these disputes often involve contract disagreements, title issues, or challenges between co-owners. Some matters escalate due to missed deadlines, unclear rights, or miscommunication between parties.

Chapter 11 bankruptcy is often associated with larger corporations, but it can also be used by individuals and smaller businesses with significant debt or complex asset structures. Unlike other forms of bankruptcy that involve liquidation or rigid repayment terms, Chapter 11 is built for reorganization. It allows filers to restructure debt obligations while retaining control over daily operations.

Family farmers and fishermen face unique financial pressures—unpredictable harvests, weather events, and fluctuating markets. When income becomes unstable and creditors begin to apply pressure, Chapter 12 bankruptcy may offer a way to reorganize obligations while preserving the operations that support your livelihood.

Unexpected financial setbacks can quickly put individuals and families under pressure, especially when mortgage arrears, credit card debt, or tax obligations start to pile up. For individuals with regular income, Chapter 13 bankruptcy may offer a legally protected way to address debt without forfeiting assets or facing foreclosure.

The attorneys at CAVA Law offer comprehensive legal services in debt recovery and insolvency matters, representing both creditors seeking to collect debts and borrowers, debtors, and individuals facing financial challenges. Our team is well-versed in Florida’s debt collection and default rules, providing expert guidance to clients across the state.