Chapter 13 Bankruptcy Attorney. Reorganize, Don't Surrender!
When Chapter 7 isn't the right fit, or when what you really need is a way to catch up, not wipe the slate clean. Chapter 13 offers a structured path to keep your home, your car, and your dignity while working through debt on a manageable timeline.
What Is Chapter 13 Bankruptcy?
Chapter 13 reorganizes your debt into a single, court-approved monthly payment over 3–5 years, based on your disposable income or the value of assets beyond what Florida law allows you to protect.
Who Is Chapter 13 Right For?
Clients who don't qualify for Chapter 7 by income or assets, or who need to do something a Chapter 7 can't accomplish, like stripping a second or third mortgage, curing mortgage arrears, or cramming down a vehicle loan to its actual value.
What Can Chapter 13 Do That Chapter 7 Can't?
Chapter 13 can stop a foreclosure in its tracks and let you catch up on missed mortgage payments over time, all while remaining in your home.
Filing in Miami-Dade & Broward
Chapter 13 cases for our clients are filed through the U.S. Bankruptcy Court for the Southern District of Florida.
Frequently Asked Questions:
Can Chapter 13 stop a foreclosure sale?
Yes. Filing triggers an automatic stay that halts a scheduled foreclosure sale, giving you time to catch up through your repayment plan.
What happens if I can't keep up with my Chapter 13 payments?
Options exist, including plan modification or, in some circumstances, converting to a Chapter 7. We work with you before a missed payment becomes a crisis.