Serving West Central Florida: Chapter 13 Laws Attorneys
Chapter 13 is a form of personal bankruptcy appropriate for people who have a substantial, dependable source of income but more debt than they can currently service. Essentially, it can allow elimination of some debt and restructuring of other obligations so that they can be paid off over a period of three-to-five years.
In addition to Tampa and Fort Myers locations, we maintain a full-service law office in Sarasota, conveniently located within blocks of I-301 and SR 780. We also assist clients in surrounding communities such as Southgate, Cortez, Longboat Key, Siesta Key, Fruitville, Bradenton, Samoset and Whitfield. If you need guidance on obtaining effective debt relief, including exploration of options for saving your home from foreclosure, contact us today.
Is a Chapter 13 Plan the Best Solution for You?
In an initial consultation, our Sarasota Chapter 13 bankruptcy lawyers will thoroughly review your income and assets, types of debt and other aspects of your financial situation to determine whether Chapter 13 is a viable option. Common reasons for filing Chapter 13, rather than a more straightforward Chapter 7 "liquidation" bankruptcy, include:
- An income level exceeding the allowable limit for filing Chapter 7
- Goals that include protecting valuable property, such as a home at risk of foreclosure
- Pressure from non-dischargeable debts such as IRS or state tax debt, child support or student loans
Sound Counsel and Decisive Action to Protect Your Property and Future
Rather than continuing to fall further behind and losing your property to foreclosure or repossession, a Chapter 13 plan may allow you to make a single monthly payment to a bankruptcy trustee, who will then distribute that among your creditors. Your monthly payment must be based on careful calculation of your income after necessary living expenses.
At McIntyre, Panzarella, Thanasides, Hoffman, Bringgold & Todd, P.L., we are dedicated to helping people find the best paths back to financial stability. We can develop a Chapter 13 plan that will meet trustee requirements and also pursue reaffirmations that may enable you to protect valuable assets.
Please call our offices or send us e-mail to set up a consultation with a caring, skilled lawyer.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
