Natalia P. Betancourt-Torregrosa is a San Juan-based attorney with nine years of experience practicing across a broad range of legal matters, including bankruptcy (Chapters 7, 12, and 13), creditor representation, insurance and insurance defense, labor and employment law, administrative law, and civil appeals. She also serves as a notary public and is fluent in both Spanish and English, allowing her to effectively serve a diverse clientele throughout Puerto Rico.
Bankruptcy (Chapters 7, 12 & 13) Lawyers in Puerto Rico
Abogados de Quiebras (Capítulos 7, 12 y 13) en Puerto Rico
Chapter 7, Chapter 12, and Chapter 13 bankruptcy filings, debt relief, and repayment plans for individuals, families, and family farmers.
Quiebras bajo los Capítulos 7, 12 y 13, alivio de deudas y planes de pago para individuos, familias y agricultores familiares.
Luis J. Sotomayor-Landrón is a San Juan-based attorney with three years of experience practicing in both Spanish and English. His practice encompasses bankruptcy law under Chapters 7, 11, 12, and 13, as well as creditor representation, commercial law, civil litigation, arbitration and mediation, notary public services, business consulting, and federal practice. He is dedicated to providing comprehensive legal counsel to clients across these diverse areas of law.
José A. Sánchez-Girona is a San Juan-based attorney with 20 years of experience practicing in both English and Spanish. His practice encompasses bankruptcy law, including Chapters 7, 12, and 13, as well as creditor representation, civil litigation, insurance, construction law, and civil appeals. He also serves as a notary public and handles matters before the federal courts.

Mireya Santos is a seasoned attorney with 18 years of experience practicing in San Juan, where she focuses on bankruptcy law, including Chapters 7, 12, and 13, as well as real estate, corporate, and consumer law matters. She also provides business consulting services to clients navigating complex legal and financial landscapes. Fluent in both English and Spanish, Ms. Santos offers comprehensive legal guidance to a diverse clientele throughout Puerto Rico.
Alejandra Soltero is a bankruptcy (chapters 7, 12 & 13) attorney with 18 years of experience practicing in Bayamón, Ponce, Aguas Buenas, Caguas, Carolina, Dorado, Fajardo, Humacao, San Juan, and Trujillo Alto. Alejandra is fluent in Spanish, English, and French.
Paola Cervoni Curet is a bankruptcy (chapters 7, 12 & 13) and notary public attorney. Paola is fluent in English and Spanish.
Marysol Román is a bankruptcy (chapters 7, 12 & 13) and immigration attorney practicing in Hormigueros, Mayagüez, Moca, Ponce, Yauco, Aguada, Aguadilla, Añasco, Cabo Rojo, and San Germán. Marysol is fluent in Spanish and English.
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Frequently Asked Questions — Bankruptcy (Chapters 7, 12 & 13)
Which bankruptcy laws apply in Puerto Rico?
Bankruptcy in Puerto Rico is governed by the U.S. Bankruptcy Code and handled by the U.S. Bankruptcy Court for the District of Puerto Rico. Individuals most often file under Chapter 7 (liquidation) or Chapter 13 (reorganization with a repayment plan), and Chapter 12 offers a similar path for family farmers and fishermen. Business reorganizations under Chapter 11 are a separate practice area.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 discharges most unsecured debts after liquidating non-exempt assets and usually concludes within a few months. Chapter 13 lets you keep your property and repay creditors over three to five years through a court-approved plan. Income and the type of debt determine which option you qualify for.
Will filing for bankruptcy stop creditor collection efforts?
Yes. Filing triggers an automatic stay that immediately halts most collection actions, including lawsuits, wage garnishments, foreclosures, and harassing calls. Some obligations such as certain taxes, child support, and student loans may not be dischargeable, so legal advice is important.
Frequently Asked Questions
Which bankruptcy laws apply in Puerto Rico?
Will filing for bankruptcy stop creditor collection efforts?
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