Trusted Coral Gables bankruptcy attorney. Cava Law helps with Chapter 7, 11, 13, foreclosure defense, and creditor rights. Call today for a consultation.
our expertise
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.
We have extensive experience in pursuing civil litigation on behalf of businesses, individuals, and governmental agencies to recover debts or collateral. Our legal actions include mortgage foreclosure, eviction, ejectment, replevin, breach of contract, and quiet title. With a strong foundation in bankruptcy law, reorganizations, and insolvency, we navigate the bankruptcy process to protect our creditor clients’ interests if a borrower declares bankruptcy. We advise our clients on the various options available for monetary recovery or collateral acquisition, ensuring a nuanced understanding of the debt recovery process to achieve a just legal outcome.
We also provide legal assistance to borrowers, debtors, and individuals facing financial difficulties. We help our clients navigate complex financial situations, including negotiations with creditors, reorganization strategies, and ensuing litigation. We work closely with our clients to explore all available options for debt relief, ensuring they receive the best possible legal guidance and support during challenging times.
At CAVA Law, our goal is to provide comprehensive and compassionate legal services to all parties involved in debt recovery and insolvency matters, ensuring that each client receives personalized attention and expert legal advice tailored to their specific needs.
Our Testimonials
What Our Clients Say
“I am truly grateful that I was pointed to CAVA and that the universe placed us together. Vanessa has always made me feel human in this process and I thank her for her patience and kindness throughout…you are very much appreciated.“
- Jeff G., July 2023
“I had the privilege of working with Vanessa, Partner at CAVA Law, and I must say that her legal services were nothing short of exceptional. From the moment I contacted their office, I knew I was in capable hands. She not only possessed an in depth knowledge of the law but also demonstrated a genuine commitment to helping me navigate my real estate legal matters successfully. Thank you!”
- Robert C., September 26, 2023
“CAVA is a law firm with experience, professionalism, respect, and exemplary customer service. Every single member of the team goes above and beyond to make sure their clients are always informed of their case. CAVA is made up of human beings who respect and care for their clients.”
- Hiram, September 21, 2023
“Thank you so much for helping my mother. Attorney Christina Vilaboa was compassionate and professional. She explained Chapter 13 case completely, step by step, giving her piece of mind and a sense of renewed stability that she hadn’t had in several years. I would recommend you very highly. Sincerely, Peter.”
- Peter, October 2023
“The legal team at the CAVA LAW FIRM are the best. I was very apprehensive and scared when I was first introduced to them to handle my legal problem. They were very professional while still being very personable. They walked me through every aspect of my case. They made it very easy on me. They did all the work. I would highly recommend them to any lay person that has little knowledge of how the legal system works. Thanks again!”
- Cathy E., August 2023
“Amazing service and professionalism. They took care of my situation I recommend them without any hesitation.”
- Tania M., August 2023
Five stars!
- Leopoldo C., May 2022
Five stars!
- Rene T., April 2023
They where very professional and great me good advice I recommend very much.
- Noraima T., 2022
Mrs. Vilaboa Abel is such a dedicated soul. I dont have words to express my grattitude towards her. My case wasn’t easy, yet she was supportive from day one and in the end she figured it all out. Aim for the stars Christina, you are awesome!
If you’re facing bankruptcy, debt litigation, or real estate issues in South Florida, don’t hesitate to contact CAVA Law for personalized and compassionate legal representation.
Understanding Bankruptcy Types
Bankruptcy can be a complex process, and understanding the different types is crucial for individuals and businesses facing financial difficulties. The main types of bankruptcy include Chapter 7, which involves liquidation of assets; Chapter 11, primarily for reorganization of businesses; and Chapter 13, which allows individuals to create a repayment plan to pay back debts over time.
Each type of bankruptcy serves distinct purposes and has specific eligibility requirements. For instance, Chapter 7 is often suited for those with limited income and significant unsecured debts, while Chapter 13 is designed for individuals who have a regular income and wish to retain their assets while repaying creditors. Understanding these differences can help clients make informed decisions about their financial future.
The Importance of Legal Representation in Bankruptcy
Having legal representation during bankruptcy proceedings is essential to navigate the complexities of the law effectively. An experienced attorney can provide guidance on the best course of action based on individual circumstances, ensuring that clients understand their rights and obligations throughout the process.
Moreover, a skilled attorney can advocate on behalf of clients, negotiate with creditors, and help prevent potential pitfalls that may arise during the bankruptcy process. This representation is particularly crucial in contentious cases, such as those involving disputes over asset exemptions or creditor claims, where having a knowledgeable advocate can significantly impact the outcome.
Common Misconceptions About Bankruptcy
There are several misconceptions surrounding bankruptcy that can deter individuals from seeking the help they need. One common myth is that filing for bankruptcy equates to financial failure, when in fact, it can be a strategic step towards regaining financial stability and rebuilding credit.
Another misconception is that all debts are dischargeable in bankruptcy. However, certain debts, such as student loans and tax obligations, may not be eliminated through bankruptcy. Educating clients about these misconceptions is vital to empower them to make informed decisions regarding their financial futures.
Steps to Prepare for Filing Bankruptcy
Preparing for bankruptcy involves several critical steps that can streamline the process and improve outcomes. Clients should gather all financial documents, including income statements, tax returns, and a list of debts, to provide a comprehensive overview of their financial situation.
Additionally, it is advisable for clients to consult with a bankruptcy attorney to discuss their options and develop a strategy tailored to their needs. This preparation can help avoid delays in the filing process and ensure that all necessary information is accurately presented to the court.
Understanding Bankruptcy Types
Bankruptcy can be a complex process, and understanding the different types is crucial for individuals and businesses facing financial difficulties. The main types of bankruptcy include Chapter 7, which involves liquidation of assets; Chapter 11, primarily for reorganization of businesses; and Chapter 13, which allows individuals to create a repayment plan to pay back debts over time.
Each type of bankruptcy serves distinct purposes and has specific eligibility requirements. For instance, Chapter 7 is often suited for those with limited income and significant unsecured debts, while Chapter 13 is designed for individuals who have a regular income and wish to retain their assets while repaying creditors. Understanding these differences can help clients make informed decisions about their financial future.
The Importance of Legal Representation in Bankruptcy
Having legal representation during bankruptcy proceedings is essential to navigate the complexities of the law effectively. An experienced attorney can provide guidance on the best course of action based on individual circumstances, ensuring that clients understand their rights and obligations throughout the process.
Moreover, a skilled attorney can advocate on behalf of clients, negotiate with creditors, and help prevent potential pitfalls that may arise during the bankruptcy process. This representation is particularly crucial in contentious cases, such as those involving disputes over asset exemptions or creditor claims, where having a knowledgeable advocate can significantly impact the outcome.
Common Misconceptions About Bankruptcy
There are several misconceptions surrounding bankruptcy that can deter individuals from seeking the help they need. One common myth is that filing for bankruptcy equates to financial failure, when in fact, it can be a strategic step towards regaining financial stability and rebuilding credit.
Another misconception is that all debts are dischargeable in bankruptcy. However, certain debts, such as student loans and tax obligations, may not be eliminated through bankruptcy. Educating clients about these misconceptions is vital to empower them to make informed decisions regarding their financial futures.
Steps to Prepare for Filing Bankruptcy
Preparing for bankruptcy involves several critical steps that can streamline the process and improve outcomes. Clients should gather all financial documents, including income statements, tax returns, and a list of debts, to provide a comprehensive overview of their financial situation.
Additionally, it is advisable for clients to consult with a bankruptcy attorney to discuss their options and develop a strategy tailored to their needs. This preparation can help avoid delays in the filing process and ensure that all necessary information is accurately presented to the court.
