About your attorney
Rafael Recalde, Esq.
Experienced counsel for serious financial problems.
For more than 18 years, Rafael Recalde has worked at the intersection of law and finance: securities regulation, cross-border banking, and the hard decisions that follow when the numbers stop working. He founded Recalde Law Firm, P.A. on Brickell Avenue to bring that experience to the people and businesses who need it most.
Why a securities lawyer handles bankruptcies
Bankruptcy is where law and finance collide. A balance sheet has to be read correctly, a means test calculated precisely, a reorganization plan stress-tested against what creditors and trustees will actually accept. That is finance work as much as courtroom work, and it is the world Rafael Recalde comes from.
Before founding his own firm, Mr. Recalde built his career in securities and financial regulation, including work shaped by SEC regulatory practice and service in the legal department of Citigroup Latin America, where billion-dollar cross-border transactions demanded precision under pressure. He is admitted to The Florida Bar and the District of Columbia Bar, and practices before the U.S. District Court for the Southern District of Florida.
That background shapes how your case is handled. Business debt, personal guarantees, investment accounts, foreign income, multi-entity structures: these are familiar terrain from a career spent inside large financial institutions. Mr. Recalde has seen how creditors approach these cases from the inside, and that perspective informs every negotiation.
Just as important is how clients are treated. Financial distress does not make you a lesser client. The people who walk through this door, business owners after a brutal stretch, families hit by medical bills or a layoff, professionals whose income dropped faster than their obligations, are honest people using a legal tool that Congress built for them. They are treated with the same respect as any boardroom client, in English or in Spanish. Se habla español, and Mr. Recalde also works with French, Italian, and Portuguese speaking clients.
The standard of care, in writing
Every case in this practice runs through the Fresh Start portal: your document checklist is generated up front, every court deadline lands on an automatic calendar from day one, and your case status is visible to you 24 hours a day. Mr. Recalde personally reviews and approves every case before any fee is paid. If bankruptcy is not the right option for you, you will be told plainly, and pointed toward what is.
Serious problems deserve serious counsel.
Start with the 3-minute assessment. Rafael Recalde reviews every case personally before any fee is paid.
Free, confidential, no obligation. Se habla español. Court costs and filing fees may apply and are explained in writing before any case begins.