Puerto Rico Bankruptcy Trustee Directory (2026)
The U.S. Bankruptcy Court for the District of Puerto Rico operates through two courthouses, Old San Juan and Ponce. Chapter 7 bankruptcy trustees in Puerto Rico are tasked with reviewing financial disclosures, conducting the Section 341 Meeting of Creditors, and liquidating non-exempt assets.
Chapter 13 trustees, in addition to the creditors’ meeting, are responsible for Confirmation Hearings and distributing funds to creditors pursuant to the court-approved repayment plan.
By Alexander Hernandez, J.D., Professor, and Author of Consumer Bankruptcy Law (Routledge).
Key Points: Puerto Rico Bankruptcy Trustees
By Alexander Hernandez, J.D., Professor, and Author of Consumer Bankruptcy Law (Routledge).
- Bankruptcy District: Chapter 7 and Chapter 13 cases filed in Puerto Rico will be in either the Old San Juan or Ponce district.
- Chapter 7 Bankruptcy: Chapter 7 trustees are responsible for examining the debtor’s financial disclosures, conducting the Section 341 Meeting of Creditors, and liquidating non-exempt assets.
- Chapter 13 Bankruptcy: The standing Chapter 13 trustee evaluates proposed repayment schedules, presides over the Section 341 Meeting of Creditors, and monitors ongoing compliance through plan confirmation and completion.
Bankruptcy Trustees in Puerto Rico
Your assigned trustee is determined by which divisional office receives your bankruptcy filing, and that filing location is based on the municipality where you reside. The Old San Juan Division Courthouse is located at José V. Toledo Federal Building & U.S. Courthouse, 300 Calle del Recinto Sur, Suite 109, San Juan, Puerto Rico 00901-1964.
The Ponce Division Office Bankruptcy Court is located at the MCS Building, Suite 222 A, 880 Tito Castro Avenue, Ponce, Puerto Rico 00716‑4732. The Clerk’s Office can be contacted at 787‑290‑6070.
Chapter 7 Bankruptcy Trustees in Puerto Rico
Chapter 7 trustees in Puerto Rico oversee bankruptcy estates under §704(a), and carry out duties such as reviewing the debtor’s schedules, conducting the Section 341 Meeting of Creditors under oath, and liquidating non-exempt assets for creditor distribution.
To fulfill their responsibilities, trustees require financial documents such as tax returns, pay stubs, and bank statements. Failure to produce these financial records in a timely manner can prompt the trustee to adjourn the 341 Meeting or move for dismissal under §521(a)(3)–(4).
Below is a summary of annual bankruptcy cases filed in Puerto Rico from 2023 through 2025.
| Year | Chapter 7 Filings | Chapter 13 Filings | Total Filings |
| 2025 | 2,085 | 3,866 | 5,951 |
| 2024 | 1,873 | 3,861 | 5,734 |
| 2023 | 1,412 | 3,063 | 4,475 |
Below are the Chapter 7 trustees for the Eastern District of Puerto Rico:
| Trustee Name | Address | Contact Information |
| Carlos G. Garcia Miranda | P.O. Box 9022074, San Juan, PR 00902-2074 | Phone: (787) 425-5424 E-mail: chapter7@garciariveralaw.com |
| Wigberto Lugo-Mender, Jr. | Centro Internacional de Mercadeo, State Rd 165, Torre 1, Ste 501, Guaynabo, PR 00968 | Phone: (787) 707-0404 E-mail: trustee@lugomender.com |
| Alberto J. Torrado Delgado | P.O. Box 1329, Hatillo, PR 00659-1329 | Phone: (787) 262-5138 E-mail: trustee7@torradodelgado.com |
| Noreen Wiscovitch-Rentas | 400 Calaf Street, P.O. Box 364363, San Juan, PR 00936 | Phone: (787) 946-0132 E-mail: noreen@nwr-law.com |
Chapter 13 Standing Trustees
Chapter 13 standing trustees oversee wage-earner repayment cases pursuant to Sections 1302 and 1326, handling duties such as reviewing debtor financial disclosures, administering oaths at the Section 341 Meeting of Creditors, and testing proposed plans for plan feasibility and meeting the requirements of the Liquidation Test.
Once initial evaluations conclude, the standing trustee engages in §1324 confirmation hearings, collects monthly payments from the debtor, and disburses funds to creditors under a confirmed plan.
Below is the contact information for the Chapter 13 trustees:
| Trustee Name | Address | Contact Information |
| Jose Ramon Carrion | Ochoa Building, Suite 501, 500 Tanca Street, Old San Juan, PR 00901 | Phone: (787) 977-3535 |
| Osmarie Navarro-Martinez | Ochoa Building, Suite 601, 500 Tanca Street, San Juan, PR 00901 | Phone: (787) 977-3500 E-mail: onavarro@ch13sju.com |
Note that most hearings are handled remotely. Below is the information to attend the §341 Meeting of Creditors via Zoom.
| Trustee | Meeting ID | Passcode | Phone Number |
| Wigberto Lugo-Mender | 661 211 5667 | 7473803687 | 1(939) 437-3207 |
| Noreen Wiscovitch-Rentas | 233 027 6848 | 5628326580 | 1(939) 220-8077 |
| Alberto J Torrado Delgado | 206 416 4854 | 2493325524 | 1(787) 476-2053 |
| Carlos Garcia Miranda | 610 086 7185 | 9844780027 | 1(787) 476-2291 |
| Jose Carrion-Morales | 842 075 7565 | 8744010630 | 1(939) 545-9003 |
| Osmarie Navarro-Martinez | 284 602 1812 | 1782019222 | 1(939) 291-2294 |
Conclusion: Filing for Bankruptcy in Puerto Rico
Familiarizing yourself with the District of Puerto Rico’s bankruptcy court system and knowing which trustee is assigned to your case is an essential part of the bankruptcy process. Whether you are pursuing a Chapter 7 liquidation or a Chapter 13 repayment plan, staying ahead of document requests keeps your case on track towards a successful discharge. Review with your attorney the questions to be asked at the Section 341 Meeting of Creditors and expect to attend several Confirmation Hearings.
Professor Hernandez is an attorney specializing in consumer finance and debt relief. He is the author of Consumer Bankruptcy Law (Routledge) and teaches law and finance courses in both English and Spanish at an international university.
Educational Resources
- For Institutions: Colleges and universities may request examination copies of my textbook directly from Routledge Publishing.
- For Students & Practitioners: Single print and digital copies are available via Amazon Books.
- Video Lectures: Stream comprehensive legal breakdowns and video explanations on the Bankruptcy.blog YouTube Channel.
Bankruptcy Court & Consumer Resources
Explore additional consumer guides and state-specific directories to navigate your legal options:
- A step-by-step master guide to completing and understanding the bankruptcy petition.
- Bankruptcy Court Directory: Full listings for the federal bankruptcy court system and trustee contact information.
- State Bankruptcy Exemptions: Review your state‑specific exemptions or compare them with the federal exemptions.
- 341 Meeting Procedures: Prepare for your court date with updated rules, expectations, and practical guidance.
Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.
Bankruptcy Code References
- 11 U.S. Code §341 – Meetings of creditors and equity security holders.
- 11 U.S. Code §704 – Duties of trustee.
- 11 U.S. Code §521 – Debtor’s duties.
- 11 U.S. Code §1302 – Trustee.
- 11 U.S. Code §1326 – Payments.
- 11 U.S. Code §1324 – Confirmation hearing.
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