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Financial challenges can occur without warning, and when debt starts to spiral out of control, it can be difficult to find your way back to stability. You can regain control of your financial future by filing for Chapter 13 with the help of an experienced West Palm Beach bankruptcy lawyer.

Chapter 13 Bankruptcy in Florida

Chapter 13 bankruptcy is personal bankruptcy designed for individuals with regular income who want to create a structured repayment plan to address their debts. Unlike Chapter 7 bankruptcy, which involves liquidation, Chapter 13 allows you to keep your assets while gradually repaying your creditors over three to five years. A skilled attorney will start by assessing your financial situation. They will help you determine if Chapter 13 is the right choice and what your repayment plan might look like, especially how much would you have to repay.

Median Income and Means Test in Florida

Florida's median income levels are used to determine length of your Chapter 13 repayment plan, with applicants below the median often qualifying for a shorter payment time. The means test evaluates disposable income after allowable expenses. Having disposable income is essential to confirm your Chapter 13 repayment plan. The calculations can be complex, and it is prudent to consult with a knowledgeable bankruptcy attorney in Florida to help you with the requirements and determine the best approach for your financial situation.

Benefits of Chapter 13 Bankruptcy

These are a few advantages to filing for Chapter 13 bankruptcy:

  • Asset Protection
  • Structured Debt Repayment
  • Mortgage Arrearage Resolution
  • Stop Creditor Harassment
  • Maintain Control
  • Fresh Financial Start
  • Flexible Repayment Terms
  • Credit Rebuilding

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Chapter 13 vs. Chapter 7 in West Palm Beach

Sometimes it is impossible to file a Chapter 7 Bankruptcy, but in those instances that you could file both, understanding the difference between a Chapter 7 and a Chapter 13 Bankruptcy is important. When deciding between Chapter 13 and Chapter 7 bankruptcy in Florida, you need to consider your unique financial circumstances. A Chapter 13 is ideal if you want to protect valuable assets, catch up on mortgage arrears, and establish a structured repayment plan. Chapter 7 offers a quicker discharge of unsecured debt but may involve the liquidation (selling) of non-exempt assets. Consult a dedicated bankruptcy attorney in West Palm Beach to determine which option aligns best with your goals and financial situation. Their knowledge will help you make an informed choice on the path to financial recovery.

Choosing a Chapter 13 Bankruptcy Attorney in Florida

A skilled attorney can guide you through the complexities of Florida's bankruptcy laws, create a viable repayment plan, and provide the support you need to complete the Chapter 13 process. With a trusted lawyer by your side, you will be able to achieve a fresh financial start. While keeping your assets is a central feature of Chapter 13, your attorney will use exemptions and legal strategies to protect your valuable property. Beyond bankruptcy, a seasoned lawyer can also connect you with financial professionals to help you rebuild your credit and make sound financial decisions after your case is completed.

Choose an Experienced Bankruptcy Attorney to Protect Your Rights and Assets

The seasoned bankruptcy attorneys at the Rivera Law Firm P.A. have the knowledge, resources, and dedication to ensure your net worth is protected while helping you eliminate unmanageable debt. To schedule your free case evaluation, call us at 786-529-6060 or reach us online.