Chapter 13 Bankruptcy

Orlando Chapter 13 Bankruptcy Lawyer

Chapter 13 bankruptcy is, designed for people who have a consistent monthly income but, have fallen behind on payments to their creditors. Filing Chapter 13 bankruptcy can stop creditor harassment, mortgage foreclosure and vehicle repossession and involves the Debtor entering into a repayment plan that proposes to pay creditors what the Debtor can afford to pay based on the Debtor's income and assets that the Debtor owns. At the Law Offices of K. Hunter Goff, P.A., we provide legal representation to people in the Central Florida area who are looking to either retain their assets (such as a home or vehicle) OR eliminate their legal liability to pay on a home or car they can no longer afford.

Are you interested in meeting with an attorney to learn more about Chapter 13 bankruptcy? Contact our firm today to schedule your consultation.

The automatic stay stops creditor harassment

When our firm files a bankruptcy petition on your behalf, an automatic stay is imposed against your creditors which legally prevent them from taking any action to collect on a debt you owe. This automatic stay immediately stops creditor harassment. Creditors, including mortgage companies, auto loan companies, and credit card companies, may no longer attempt to collect a debt from you by contacting you at home or at work, and must abide by the bankruptcy law or suffer the consequences.

You can keep your property

In Chapter 13 bankruptcy, your debt is consolidated into a debt repayment plan. This payment plan will pay back a percentage of your unsecured debt over a three- to five-year time frame. In addition to structuring a payment plan that works for you, we work hard on your behalf to ensure you can keep the property you want to keep and eliminate your liability to pay for property you may not want to keep.

What about student loan debt?

Student loan debt generally cannot be discharged through bankruptcy. However, there is relief to be had through the filing of a Chapter 13 filing. Our firm can stop collection actions and garnishments related to your educational debts and help find a plan that works for you.

Are you interested in getting a fresh start on your finances? Contact our firm today to learn how we can help.