Alexis Garcia Legal, LLC

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Alexis Garcia Legal, LLC

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

10/01/2026

Few things are as alarming as logging into your bank account and discovering you can't access your own money. If this just happened to you, you're not imagining it — this is called a bank levy, and it's a legal collection tool creditors use once they've won a judgment against you, often a default judgment from a lawsuit you never even knew about.

Here's what a lot of people don't realize: not all the money in that account is actually fair game. Florida law protects certain funds from garnishment entirely — Social Security, disability benefits, head-of-household wages, retirement accounts, and some veterans' benefits. The catch is the bank doesn't automatically know which dollars came from protected sources, so it's up to you to formally claim that exemption to get the freeze lifted.

We wrote a full breakdown of why this happens, what to do right now, and how filing for bankruptcy can stop a levy that's already in progress — sometimes even recovering funds that were just frozen.

Link below 👇

https://alexisgarcia.legal/bank-account-frozen-in-florida/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — exemption claims run on strict deadlines, so don't wait to reach out.

09/17/2026

On September 16, the Federal Reserve raised interest rates for the first time since 2023, bringing the benchmark rate to 3.75%–4% — and signaled another hike could be coming before the end of the year.

If you're carrying debt, this isn't just a headline. Most credit cards have a variable APR tied directly to the Fed's rate, so a hike like this typically shows up on your statement within a billing cycle or two. New and adjustable-rate mortgages get more expensive. Business loans and lines of credit follow the same pattern, adding pressure for owners already managing tight margins.

Here's the part worth understanding: a rising-rate environment makes debt settlement riskier (balances keep accruing at a higher rate the whole time you're negotiating), while bankruptcy's fixed legal discharge becomes relatively more valuable, since it isn't dependent on the rate environment at all.

We broke down exactly what this means for your mortgage, credit cards, and business debt. Link below 👇

https://alexisgarcia.legal/fed-rate-hike-2026-debt-impact-florida/

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

09/10/2026

New housing data confirms something a lot of Florida homeowners are feeling firsthand: the state now has one of the highest foreclosure rates in the entire country.

According to ATTOM's foreclosure market data, Florida recorded roughly 27,494 foreclosure filings in just the first half of 2026 — about one in every 373 homes. Metro areas like Punta Gorda, Lakeland, Cape Coral, Jacksonville, and Ocala rank among the hardest hit in the nation. A few things are driving it: skyrocketing property insurance premiums, HOA special assessments following heightened safety requirements after Surfside, and elevated interest rates all piling on at once.

The good news is this isn't 2008, and there are real options if you act early — foreclosure defense, loan modification, a short sale, or bankruptcy can all change the outcome depending on your situation. We wrote a full breakdown of the data and what to do next. Link below 👇

https://alexisgarcia.legal/florida-leads-nation-in-foreclosures-2026/

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

09/08/2026

New national bankruptcy data just confirmed what a lot of attorneys have been seeing firsthand this year: filings are climbing sharply, across nearly every category.

According to Epiq AACER, total bankruptcy filings rose 8% year over year in August, with individual Chapter 7 and Chapter 13 filings both up 10%. But the most striking number is on the business side: Subchapter V elections — the streamlined small business reorganization option — rose 63% year over year, a clear sign that more small business owners are choosing to restructure and keep operating rather than close their doors.

We wrote a full breakdown of what's driving the surge, why rising filings don't mean it's harder to file successfully, and what it means if you've been weighing your own options. Link below 👇

https://alexisgarcia.legal/bankruptcy-filings-surge-in-2026/

Serving Miami, Doral & South Florida for 19 years. Call 305-428-2858 or WhatsApp 786-891-1948 for a free consultation — the national numbers can't tell you what's right for your situation, but we can.

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.

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.

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.

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.

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.

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. 🙏

Address

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

Telephone

+13054282858

Website

http://www.alexisgarcia.legal/

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