Aaron A. Wernick


Board Certified in Business and Consumer Bankruptcy Law.

“My restructuring and insolvency practice focuses on helping businesses, investors, and individuals maintain current assets and business structure while reducing existing debt load.”


Navigating the complexities of the Bankruptcy Code. Many successful individuals and businesses encounter obstacles that need to be resolved through the protections of the bankruptcy courts. Aaron Wernick brings his extensive experience in representing debtors, primarily in Chapter 11 proceedings and complex reorganizations. He also represents Chapter 7 debtors, DIP lenders, secured and unsecured creditors, and bankruptcy lenders. Aaron is one of the few attorneys who understands the intricacies of Chapter 11 and how to employ it effectively for individuals as well as businesses. He leads his clients through the reorganization process, helping them to reach the goals of maintaining current assets and business structure while reducing existing debt load.

Creative solutions based on tough negotiations combined with collaborative processes. Chapter 11 reorganizations meld two areas that are typically mutually exclusive: litigation and compromise. Aaron’s approach is to utilize his skills as a strong advocate for his clients while at the same time find solutions that can benefit all sides of a dispute. Aaron’s resolution-focused methodology has led to a high rate of court-approved Chapter 11 plans.

Extensive experience in all facets of bankruptcy litigation. Aaron handles all aspects of bankruptcy litigation and transactional matters including pre-bankruptcy planning, plan and exit strategies, debtor and creditor cost/benefit analysis, and debt dischargeability determination.
With an extensive business background in the real estate, private equity, and financial service fields, Aaron also advises businesses and individuals on matters of restructuring and reorganizing, as well as preference and fraudulent conveyance issues.

Listening to the unique needs of every client. Aaron understands that every client and every situation are unique, and he helps his clients by identifying early on the core issues that need to be addressed in order to reorganize. By listening to his clients and empathizing with their concerns, Aaron quickly and efficiently devises strategies to achieve ultimate success.

Representative Experience

Chapter 11 Debtors in Possession


•Owners of 11 rental properties, lowering the total mortgage debt by over $1.5M.

•A holding company of 39 rental properties, extending all mortgage loans by 5 years.

•An owner of eight businesses and four rental properties, eliminating $5.7M in unsecured claims.

•Owners of a home-remodeling business, eliminating $500K in unsecured debt while allowing them to keep their business and their home.

•A real estate developer, wiping out $3.7M in unsecured debt while also deferring 30% of the mortgage balance on his homestead.

•Both a business owner and his business, eliminating almost one-half of a million dollars in Fair Labor Standards Act claims.

•A national franchisor of home companion care businesses, paying out only a third of outstanding claims interest-free over 5 years, eliminating an additional $1M in claims, and allowing for the principals to retain their business.

•A private school in Palm Beach, lowering overall debt by over $1 million.

•Owner of a restaurant and a bread factory, saving his factory, which was facing imminent foreclosure, while allowing for him to retain both of his businesses.

•A single-asset real estate company, lowering debt by over 40% and securing a three-year loan extension, even though its property was facing imminent foreclosure.

•A single-asset real estate company, reducing the mortgage by one-half of a million dollars on a $10 million waterfront mansion in Boca Raton, preventing a foreclosure sale, and securing an agreement by the lender not to pursue the individual guarantee by the principal.

Areas of Practice

  • Complex Chapter 11 Reorganizations for Corporations and Individuals
  • Chapter 7 Liquidations
  • Creditors’ Rights
  • Avoidance Actions
  • Workouts

Bar Admissions

  • Florida, 2005
  • California, 2009
  • Wisconsin, 2000
  • U.S. District Court Middle District of Florida
  • U.S. District Court Northern District of Florida
  • U.S. District Court Southern District of Florida
  • U.S. Court of Appeals 9th Circuit
  • U.S. Court of Appeals 11th Circuit


  • University of Wisconsin Law School, Madison, Wisconsin
    • J.D. – 1999
  • University of Pennsylvania
    • B.A. magna cum laude – 1994

Professional Associations and Memberships

  • Co-Chairman of the Bankruptcy Committee of the South Palm Beach County Bar
  • Florida Bar Association
  • American Bankruptcy Institute
  • Palm Beach County Bar Association
  • Bankruptcy Bar Association for the Southern District of Florida