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De La Guardia & Saladrigas is a bankruptcy law firm in Doral, Florida with 40+ years of experience helping clients file Chapter 7, 11, 13, and Subchapter V bankruptcies, plus mortgage modification and debt relief services.
Data compiled from public sources
De La Guardia & Saladrigas is a listed bankruptcy law firm located in Doral, Florida, near Miami International Airport. The firm has been operating for over 40 years and focuses exclusively on bankruptcy law and related debt resolution services. They serve clients throughout South Florida, from Key West to Palm Beach.
The firm offers comprehensive bankruptcy filing services across multiple chapters (Chapter 7, Chapter 11, Chapter 13, and Subchapter V), as well as ancillary services including mortgage modification, IRS debt representation, garnishment defense, and car repossession prevention. Their stated goal is to help clients achieve a financial fresh start while protecting key assets such as homes, vehicles, and wages. They also assist with credit card debt, medical debt, and general debt elimination.
De La Guardia & Saladrigas differentiates itself through responsive client communication, bilingual services (Spanish-language capability), affordable payment plans, and free initial consultations. Client reviews consistently highlight the firm's follow-up responsiveness, with reviewers noting that attorneys and staff actually return calls and emails—a common complaint in the legal services industry. The firm appears to prioritize personalized attention and transparency during what clients describe as a stressful financial process.
The firm's primary limitation is geographic scope—services are restricted to the South Florida region. Additionally, as a specialty bankruptcy practice, they do not handle other civil litigation matters, as evidenced by one recent review noting they could not continue representation in a civil case. Their service model relies on affordable payment plans, suggesting clients must have ongoing payment capacity despite financial distress. No information is provided about success rates, average timeline to discharge, or credential details beyond the stated 40+ years of experience.
This is state-level context for Bankruptcy Services consumers in Doral, FL. It does not confirm that De LA Guardia & Saladrigas or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Relevant law: Florida Credit Services Organization Act (Fla. Stat. §§ 817.7001-817.706)
Registration: Required with Florida Department of State, Division of Corporations
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
De LA Guardia & Saladrigas offers 12 services including Chapter 7 bankruptcy filing, Chapter 11 bankruptcy filing, Chapter 13 bankruptcy filing, Subchapter V bankruptcy filing, Mortgage modification and home loan negotiation, and 7 more.
De LA Guardia & Saladrigas has profile signals associated with South Florida residents (Miami-Dade, Broward, Monroe counties) facing foreclosure, wage garnishment, or debt collection, Small business owners forced into bankruptcy due to business failure or partnership disputes, Bilingual Spanish-speaking clients seeking legal representation in bankruptcy proceedings, Individuals seeking mortgage modification, IRS debt negotiation, or asset protection alongside bankruptcy filing.
Key strengths: 40+ years of bankruptcy law experience in South Florida market; Consistently praised in recent Google reviews for actual responsiveness—attorneys and staff return calls and emails; Bilingual services offered (Hablamos Español). Areas to consider: Limited to South Florida geographic service area (Key West to Palm Beach)—not available nationally; Does not handle civil litigation outside bankruptcy scope, limiting utility for clients with mixed legal needs.
In the Bankruptcy Services category, comparable providers include Credit Solution of Florida, Debt Relief Law Firm of North Florida, Debt Shield Law. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
De La Guardia & Saladrigas is profile signals for South Florida residents who need immediate bankruptcy protection from foreclosure, garnishment, or collection and value responsive attorney communication. The main caveat is strict geographic limitation to South Florida and lack of published success metrics or detailed fee transparency, making it essential to confirm service availability and obtain a clear written fee agreement during the free consultation.
LawInfo is an attorney directory service connecting consumers with bankruptcy and credit repair lawyers in Miami Lakes, FL and nationwide. It is not a direct service provider.
Profile signals: Consumers actively seeking bankruptcy attorneys in Miami Lakes, FL or surrounding areas, People needing to locate Lead Counsel verified or Super Lawyers rated bankruptcy professionals
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, led by D.C. Higginbotham with nearly 30 years of experience handling over 10,000 cases.
Profile signals: Individuals facing wage garnishment, collection calls, or foreclosure threats seeking immediate legal intervention, Jacksonville-area residents with multiple debts considering Chapter 7 or Chapter 13 bankruptcy
Florida-based debt defense law firm offering bankruptcy, debt lawsuit defense, and debt collector litigation services led by experienced attorneys with collection industry backgrounds.
Profile signals: Florida residents actively sued by debt collectors or creditors who need legal defense, Individuals considering bankruptcy who want attorney guidance from filing decision through post-discharge credit rebuilding
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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