Debt Relief Through Chapter 13 Bankruptcy
At the law firm of Richard A. Heller, P.A., our lawyers take pride in helping people conquer their debt. In Orlando and throughout Central Florida, people turn to us for help because we have the experience to get results. We have been doing this since 1990. You can be confident that we can help you.
For many individuals, Chapter 13 is a valuable option to overcome credit card debt, unexpected medical bills, divorce or any other debts.
What Is Chapter 13 Bankruptcy?
If you have the financial resources to deal with some, but not all, of your debts, Chapter 13 bankruptcy may be for you.
This type of bankruptcy allows people to reorganize their debts. A customized repayment plan will be created that is within your means. The debt will be satisfied typically between three and five years. Many of our clients will be able to keep their homes and stop foreclosure in a Chapter 13. Today many people are able to force their home mortgage lender to mediate a modification in a Chapter 13 and the success rate is high.
Who Qualifies for Chapter 13 Bankruptcy?
Recently, the law regarding bankruptcy changed. The Bankruptcy Reform Act has led to a great deal of confusion about who qualifies for Chapter 13 bankruptcy. Much of this confusion is unnecessary, as the fact still remains that bankruptcy is a viable option for most people who are overwhelmed with debt. If you don't have the means to pay all of your bills and make ends meet, but do have extra disposable income, chances are that you qualify.
If Chapter 13 bankruptcy is not an option for you, Chapter 7 may be. We will explore all your bankruptcy options and alternatives to bankruptcy with you.
Professional Legal Services
Contact us today to talk to an experienced attorney about whether Chapter 13 bankruptcy can help you overcome your debt.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
