About Us

Michelle-Labayen-Miami-Florida-Bankruptcy-attorney-Law-Offices-of-Michelle-Labayen-PC-provide-Chapter-7-bankruptcy-help Max-Garners-Bankruptcy-Boot-Camp-Law-Offices-of-Michelle-Labayen-LLC-in-Miami-Florida-consumer-law-attorneyMichelle Labayen has been practicing Consumer and Bankruptcy law for more than 16 years. She is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and the National Association of Consumer Attorneys ( NACA). In addition, she is a Max Gardner Bootcamp graduate.

Extensive experience has given Michelle a thorough understanding of bankruptcy, including:

  • Chapter 7
  • Chapter 13
  • Adversary Proceedings
  • Litigation under the Fair Credit Reporting Act
  • Litigation under the Fair Debt Collection Practice Act

Experience working for National Banks has enabled Michelle to have a thorough understanding of the legal practices of credit card companies and foreclosure firms. She has represented bankruptcy clients who were selling their properties under Section 363, and provided legal assistance in commercial property sales.

Michelle is licensed to practice in New York and New Jersey.  Her reputation precedes her as an aggressive advocate pursuing debtor’s rights in regards to the Automatic stay of the Bankruptcy Court and the Fair Debt Collection Practice Act (FDCPA) and Fair Credit Reporting Act ( FCRA).

Social and Political Interests


The Law Offices of Michelle Labayen, PC are active in both social and political activism. The firm commits to pro bono assistance through New Jersey Law Volunteers and the Wounded Warrior Project.

Michelle also advocates for Student Loan Reform. She is the author of Where Student Loan Debt is Heading By 2021, an article about the potential consequences of ongoing student debt problems.

Student Loan Advocacy

Michelle-Labayen-advocates-for-student-loan-debt-reform-Law-Offices-of-Michelle-Labayen-PC-Miami-Florida-bankruptcy-law-firmMichelle Labayen is a pioneer in student loan advocacy and provides settlements, reduction, and modification of student loans. She believes that banks have committed, and continue to commit, fraud against the American people.

This fraud is perpetrated by the use of predatory loans, robo-signed documents to support foreclosures, and hiding behind securitized documents to obfuscate and confuse their victims.

Thomas Jefferson said it best:

”If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered. I believe that banking institutions are more dangerous to our liberties than standing armies. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.”

Career and Education

Highlights of Michelle’s career include representing clients at the Legal Aid Society, and acting as Lead Litigator in the State of New Jersey representing a National Creditor Law firm.


Michelle graduated from Columbia University in 1999 and New York Law School in 2003.

She is a member in good standing in the New York Bar Association, admitted to practice in the Eastern And Southern District Of New York and throughout New Jersey. Michelle and her partner, Florida Licenced Attorney Drew Gaddis, will assist you with your legal needs in the Miami area.

Michelle Talks "Housewives of New Jersey" Bankruptcy on the Stephanie O Show
and Student Loan Debt on Live More with Rae

Michelle Labayen isn’t just a Bankruptcy Attorney. She’s a well-known subject-matter-expert on the issue. She has appeared on The Stephanie O Show and Live More with Rae. See the clips below to learn more about bankruptcy and the student loan debt crisis.

Bankruptcy Subject Matter Expert on
The Stephanie O Show

Michelle appeared on The Stephanie O Show to discuss the Housewives of New Jersey stars Joe and Teresa Guidice’s bankruptcy. The Guidice’s were forced to file bankruptcy after spending far more money than they could afford during their time on the Bravo TV show. Watch as Michelle discusses the issues and provides insight into the bankruptcy of the television stars.

MichellAe Talks Student Loan Debt on
Live More with Rae

Live More with Rae is a talk show featuring Rae Brown discussing various social issues. In this episode, Michelle gives a well-spoken breakdown of the facts and figures surrounding college loan debt.

As of 2018, student loan debts have climbed to a total of more than $1.5 trillion dollars. As Michelle states, “more than mortgages and credit cards combined.”

Miami Bankruptcy Attorney Drew Gaddis
Miami Bankruptcy Attorney Drew Gaddis
Drew is a true Floridian born and raised. He has two Bachelor’s degrees from Florida Atlantic University: Accounting and International Business & Trade. Then he went to Nova Southeastern University for law school. 
Drew now has his own consulting firm where he helps international importers and logistic companies start up, manage as well as stay in trade compliance. He also, in addition to practicing bankruptcy with Michelle, practices business, real estate, tax, and of course the occasional PI and litigation cases here in South Florida.

Contact Michelle, today, and get on the path to financial freedom.

The Law Office of Michelle Labayen, LLC Can Help With The Bankruptcy Process

Anyone can qualify to file for bankruptcy. There isn’t an exact amount of debt or financial difficulty required. You don’t have to show insolvency or meet a certain standard.

You should always speak with a lawyer before beginning the bankruptcy process to ensure it’s the best option for you. Michelle Labayen is a knowledgeable and experienced bankruptcy attorney with offices in New York, NY, and Newark, NJ. Florida licensed attorney Drew Gaddis is counsel and would be representing all clients in Florida.

Miami Bankruptcy Office

100 SE 2nd St Suite 2000 #A
Miami Tower
Miami, FL 33131
Phone: (786) 209-2327