Need Help Filing for Chapter 13 Bankruptcy?
We Assist Clients in Volusia and Brevard Counties
Chapter 13 is an important consumer protection that has helped countless
individuals and families alleviate the burden of mounting debts, second
mortgages, and loan modification problems. If you owe more than you can
pay back, even if you have high income or assets, contact our Volusia
County bankruptcy attorney at LegalNinja, LLC at your earliest convenience.
We serve clients from throughout Florida, including in Port St. John and
Cocoa, and we have successfully represented hundreds of individuals in
their bankruptcy needs. We can help you determine if Chapter 13 is the
right type of bankruptcy for you and help you file the necessary paperwork.
How does Chapter 13 work?
Chapter 13 is also sometimes called reorganizational bankruptcy because
it effectively restructures your debt and locks you into a 36 month or
60 month repayment plan. You will pay back some or all of what you owe,
but you are granted more time to do it, often at a lower interest rate.
You are also afforded certain other protections by the court. You still
have to pay back the money you owe, but you are granted more time to do
it, and afforded certain protections by the court. For many, this is an
effective way to slow down a tidal wave of debt and work their way back
towards financial stability.
Chapter 13 differs from Chapter 7 because it doesn't require the liquidation
of assets and it doesn't pay off the debts for you but it pays off
the debts you owe based upon your ability to pay over a specified period
of time. It sets up a more structured, agreed upon payment plan between
you and the creditors you owe, allowing you to make your monthly installment
payments more affordable and often paying credit card debts pennies on
the dollar. We can assist you in all of your needs from start to finish,
and we can assist you in
life after bankruptcy.
When you choose to work with our firm to file Chapter 13 bankruptcy, you
can benefit from:
- Initial case evaluations
- Intense focus and attention to detail
- Creative thinking and legal fluency
- Affordable payment plans
- Consistent availability 7 days a week
Contact LegalNinja, LLC for Reliable Counsel
Filing for Chapter 13 bankruptcy is a smart step to take, but the process
can take a while to complete. This is why it is always better to file
sooner rather than later.
Contact our firm and we will begin working on your case as soon as possible. We believe
that nobody should have to deal with the burden of monetary debt, and
we are here to help you make things easier in your life.