Chapter 13 Bankruptcy

Chapter 13 bankruptcy is significantly different from a Chapter 7 bankruptcy. A Chapter 13 is a reorganization of debt, allowing debtors to repay all or a portion of their debts through a Chapter 13 plan, while protecting property and personal assets. The concept is similar to debt consolidation, but unlike most debt consolidation programs, it permits debtors to pay unsecured debt (i.e., a debt that is not secured by property) down without accruing interest (student loans are an exception) and without having to deal with those annoying calls from debt collectors.

One of the biggest advantages of a Chapter 13 bankruptcy is that is many cases, we are able to eliminate home lines of equity and/or 2nd mortgages.  To learn more, click here.

Under a typical plan, you make monthly payments to a court-appointed bankruptcy trustee for generally three to five years. The amount of your monthly payment is determined by several factors, such as the amount of debt you have, your ability to repay and the extent that you have assets.

The bankruptcy trustee distributes the money to your creditors. Please contact us if you would like more information about Chapter 13 bankruptcy. After all, the creditors have an army of lawyers.  You deserve the same protection. To schedule your free consultation call us seven days a week, from 9am and 10pm, at 305-663-3281 or email at  We look forward to helping in any way we can.



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