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About Us

For over 100 years, LSS Law has been building a healthier community

Who We Help

Providing Legal Help for Individuals and Businesses Throughout the State of Florida

Our legal team at LSS Law has more than 70 years of combined legal experience handling bankruptcy and student loan law matters. We thoroughly review your unique financial situation and help you understand all of your legal choices. We are compassionate, hard-working, and determined to achieve a successful outcome in every case.

We represent debtors, creditors, and bankruptcy trustees, which provides us with a comprehensive perspective of the bankruptcy process. Our experience representing all types of parties involved in the bankruptcy arena allows us to anticipate and strategically handle moves by the opposing parties, as evidenced by our record of success.

We also represent student loan borrowers in all aspects of student loan law representation, including individuals with federal, state or private student loans.Let us use our rare skill set to obtain the outcome you want and deserve.

Representation for Individual Debtors

If you are struggling to make ends meet, you have a great deal of non-consumer debt, or you own investment real properties that are worth less than the mortgages encumbering them, filing a personal bankruptcy may be the solution to your financial troubles. We review your individual circumstances and help you understand all of your available legal options.

Below are a few examples of life events that may warrant a bankruptcy filing:

  • You are past due on your mortgage
  • You have a foreclosure action pending against you
  • You have numerous assets but need debt relief
  • Creditors are threatening to repossess assets
  • You have garnishments against your paycheck or bank account
  • You own a business and you have personally guaranteed some of the business’ debt
  • Collection lawsuits have been filed against you
  • Creditors are taking aggressive collection efforts against you
  • You own several homes or investment properties that are underwater and you need to strip inferior liens
  • You are past-due on your taxes
  • You have overwhelming unsecured debt, such as credit card debt or medical bills
  • Divorce left you with unmanageable debt

We have helped hundreds of individuals just like you obtain a fresh financial start by filing an individual Chapter 7, Chapter 11 or Chapter 13 case.

Relief for Business Debtors

Whether you have a small business or you are running a large company, we can help you understand how a corporate bankruptcy or an Assignment for the Benefit of Creditors (ABC) could be beneficial. A business that is seeking to shut down can accomplish an orderly liquidation of its assets through a Chapter 7 or the ABC process. An entity that wants to restructure its debt and continue to operate can accomplish this through a Chapter 11 (or even sometimes in an ABC). Whatever your goals are with respect to the liquidation or restructuring of your business, we can help you achieve them.

We handle the following issues for business debtors:

  • Your cash flow is insufficient to pay your operating expenses
  • You are being sued by a client or customer relating to a product or service
  • You are being sued by a supplier for non-payment of invoice(s)
  • You have an overwhelming amount of debt and could maintain the business if some of those debts were eliminated
  • Creditors are threatening to take your business’ assets
  • You have garnishments against your bank account
  • Creditors are taking aggressive collection efforts against you
  • You are past-due on your taxes
  • You are looking to utilize the bankruptcy process in an effort to save your assets

Creditors In Need of Legal Representation

Many creditors do not realize that they have a variety of rights when a customer, borrower, or vendor files for bankruptcy protection. We can help you pursue your rights and strive to obtain the maximum recovery available to you.

Our firm can help with a variety of creditor issues, including:

  • An individual or company owes you money, but just filed bankruptcy
  • You received bankruptcy notices in the mail, but you do not understand them
  • You are owed money from a bankrupt debtor but do not know what your rights are
  • You were defrauded by a bankrupt debtor and would like to know your options
  • Your ex-spouse just filed bankruptcy but you don’t know what to do
  • You have a mortgage on someone’s home, but they just filed bankruptcy
  • You are a landlord and your tenant just filed bankruptcy
  • An individual or company owes you money and they are threatening to file bankruptcy
  • You have been attempting to collect a debt for a long time, and are interested in learning about involuntary bankruptcy proceedings

Legal Help for Student Loan Borrowers

If you are drowning in student loan debt and you don’t know what to do next, we can help. We review your individual circumstances and help decide the best strategy for reducing your payments, getting out of default, or eliminating your student loan debt entirely. Some of the options we will discuss are loan forgiveness, administrative or bankruptcy discharge, repayment plans, rehabilitation and loan consolidation. Don’t continue living under the weight of your student loans; let us help you take control of your debt.

Our attorneys can help with the following student loan issues:

  • Your wages are being garnished on account of your federal student loan(s)
  • Your federal income taxes or federal benefits are being offset because of a defaulted federal student loan
  • You work for the government, but your federal student loans are affecting your security clearance
  • Your defaulted federal student loans are affecting your ability to maintain your professional license(s)
  • You are being sued by your federal or private student loan lender and you need help
  • Your monthly payments on your federal or private student loans are unmanageable
  • You just lost your job and you cannot afford your federal student loans
  • You are delinquent in your federal student loans and you want to prevent default
  • You are in default of your federal or private student loans and you want to cure the default and bring your loans back to good standing
  • You believe that you are entitled to an administrative discharge, but you don’t know what to do
  • You need assistance with student loan cancellation or forgiveness
  • You are interested in a student loan deferment or forbearance
  • You want to settle your student loan debt for an amount less than what is owed
  • You want to cure your federal student loan default through rehabilitation or consolidation, but you need the assistance of a knowledgeable attorney
  • You want to know your options for a potential bankruptcy discharge of your student loans

If you are drowning in student loan debt and you don’t know what to do next, we can help. We review your individual circumstances and help decide the best strategy for reducing your payments, getting out of default, or eliminating your student loan debt entirely. Don’t continue living under the weight of your student loans; let us help you take control of your debt.

Other matters our attorneys can help you with include:

  • You are being sued or threatened with a lawsuit by a bankruptcy trustee or other party in a bankruptcy proceeding
  • You would like to purchase real property or other assets from a bankruptcy trustee or debtor in bankruptcy
  • You are a purchaser of real property and need an attorney to help you with the transaction
  • You are a seller of real property and need an attorney to help you with the transaction
  • You need consultation regarding a start-up or entrepreneurial venture

Schedule a No-Cost Initial Consultation To Learn More About How We Can Help You

LSS Law has two offices to best serve their clients, in Miami and Fort Lauderdale, Florida, and we proudly serve many counties including Broward, Miami-Dade, Highlands, Indian River, Martin, Monroe, Okeechobee, Palm Beach, and St. Lucie. We are a full-service bankruptcy law and student loan law firm, fully equipped to assist you with whatever financial issues you are facing.

Specialized Experts

The Small Business Reorganization Act

Chapter 11

The often times difficult Chapter 11 bankruptcy that traditionally favored larger companies is now available for small businesses through The Small Business Reorganization Act. Allows us to help you build a comprehensive strategy to navigate the process with the help our recognized team.

Real Client Experiences

Are You Ready For A Brighter Future?

Contact us for a no-cost, no-obligation, bankruptcy strategy session.