PERSONAL REORGANIZATION  (Chapter 13 Bankruptcy)

YOU MAY WANT TO FILE FOR RELIEF UNDER CHAPTER 13

IF YOU ARE IN ANY OF THESE SITUATIONS

• Served with foreclosure papers, or approaching a foreclosure sale date.

• Can't catch up on your home mortgage, but you can afford the regular monthly payments.
• Need to strip-off a 2nd mortgage, or remove a lien on your home.
• Not eligible for Ch 7 relief based upon your income or assets.
• IRS debts.
• Owe more on auto(s) or other possessions than their value.  
• Harassment from debt collectors, creditors or lawyers.
• Own income (rented) property with mortgage debt more than current market & want to have a court reduce the amount owed, reduce the interest rate & reduce the regular  payment.

There are also other situations in which your attorney may recommend filing Chapter 13 case is your best move.

Of course we will assist you in deciding whether you should consider filing a Chapter 13 bankruptcy, a Chapter 7 bankruptcy, or avoiding  bankruptcy filing. We will discuss the differences and how they might affect you, to assist you in reaching the best decision for your own situation.

Well represent clients in all counties in Florida. Consultations are available in our offices, only by appointment, Monday through Friday. Weekend and after hours consultations are available in some circumstances.