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Causes of Bankruptcy

Bankruptcy is Not Always About Financial Irresponsibility

One of the many misconceptions regarding bankruptcy is that it is a haven for deadbeats who refuse to pay their carelessly incurred debt. While there are irresponsible people who find themselves in bankruptcy court, many face situations and circumstances that are beyond their control.

No matter what led you to the decision, we will provide personalized service and a dignified process at the bankruptcy law firm of Chris R. Borgia, Esq.

Regardless of the causes that led to bankruptcy, the stress of creditor harassment and a mailbox full of final notices requires some form of resolution. Contact our Miami office at 305-562-7333.

Bankruptcy Resulting From Medical Problems

A major illness, sudden injury or disability results in many bankruptcies in Florida and throughout the United States. A thriving career with a lucrative salary can end in a split second after an accident or doctor's diagnosis. You never faced the problem of possible home foreclosure or car repossession. Even the most financially responsible are not immune to the need for Chapter 7 or Chapter 13 bankruptcy protection.

Financial Problems Following an Unexpected Job Loss

At the bankruptcy law firm of Chris R. Borgia, Esq., we meet with clients who have been laid off with little to no warning. New employment is elusive and unemployment benefits and medical insurance have run out. Stability becomes instability. Savings are drained and debt mounts, resulting in the need for a bankruptcy filing.

The Personal and Financial Trauma of Divorce

Divorce and separation create not only emotional discord, but also financial chaos. One household becomes two. Expenses increase while household income is cut in half. Debts increase on a daily basis, leading to persistent creditor calls from an inability to pay. While you may feel ashamed over perceived personal and financial failures, you should not let that prevent you from seeing attorney Chris R. Borgia, Esq. Our founder will treat you with dignity and respect.

Contact Us

For more information or to schedule an appointment with an experienced bankruptcy lawyer, please contact us.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Practice Areas Firm Locations

Miami-Dade County
801 Brickell Avenue
Suite 900 Miami, Florida 33131
Phone: 305-562-7333
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Broward County
110 East Broward Blvd
Suite 1700
Fort Lauderdale, Florida 33301
Phone: 305-562-7333
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Palm Beach County
2255 Glades Road
Suite 324A
Boca Raton, Florida 33431
Phone: 305-562-7333
Map & Directions