Chapter 13 Bankruptcy
Serving Clients in North Florida
A Florida Chapter 13 bankruptcy is known as Individual Debt Adjustment which provides for the adjustment of debts of an individual with regular income. This type of bankruptcy process often involves those who are not eligible for a Chapter 7 filing or for those who wish to stop a foreclosure or repossession; these filers can keep their property while paying back all or a portion of their debts through a repayment plan approved by the court. The single repayment plan involves making a payment to the courts over a 3 to 5 year time period. This is known as a reorganization bankruptcy.
Under a Chapter 13, you receive the protection of the bankruptcy court against your creditors. This type of petition allows you to consolidate and repay your debt and often results in reducing or even eliminating old debt. Because you will be making a monthly payment, this plan requires that you have a steady source of income. Your debt repayment plan will be devised to reflect what you can realistically afford to pay each month.
This is often optimum for those with a monthly income who have fallen behind on their debts due to short-term financial problems such as an illness, injury, or temporary loss of work. This option is beneficial for those who obtain their income from other sources besides wages. If you earn an income from any source, it is usually possible to keep your home when filing a Chapter 13.
Court Protection Under Chapter 13
Under this filing, an appointed trustee from the court will collect your payments, pay your creditors, and ensure you keep up with your repayment plan. In the meantime, you will receive the protection of the automatic stay which stops credit harassment, collection attempts, and most legal actions such as foreclosure, wage garnishment, repossession, and lawsuits.
Certain eligibility requirements apply to Chapter 13 filings. To ensure that your filing is done properly and that you meet all of the necessary requirements and rules, it is important to work with a qualified attorney. As a Gainesville bankruptcy attorney who has been practicing law since 1987, I have extensive experience in bankruptcy law and have achieved national recognition through the Martindale-Hubbell rating service and the Avvo Client's Choice Award 2012 for the quality of my legal service.
We've Helped Many People in Your Shoes
She What They Have to Say!
At The Law Office of Robert J. Warren, P.A., your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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I recently used Robert Warren to help in the closing of my mom's home, and couldn't be happier with how it went. Robert and his assistant Lois were easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!C. Delatorre
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We are so appreciative to Mr Warren and his associate Lois with their help in selling our house. Their expertise in legal matters and in handling all situations involved gave us peace of mind! Thank you again for all your help!Hector and Debra
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Mr. Warren is knowledgeable and honest. His rates are reasonable and fair. His dedication and tenacity resulted in a very favorable outcome in my real estate case. I would highly recommend him without hesitation and would definitely use his services again.Rechelle
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I had a real estate situation needing legal help. He seemlessly solved the issues and the transition was professional and done quickly. I would go back to him again and again.Dawn W.
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Robert was excellent to work with. He is the most personable, competent and most accessible lawyer that my husband and I have ever worked with. Not only did Mr. Warren do the job we asked him to do, he made himself available to answer any questions or concerns we had along the way. His expertise and genuine care for the client is why we will work with him on our next venture. We 100% absolutely recommend him for legal advice.Dana Rio
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Robert managed to help so much in relieving the stress we were in. His assistance and dedication for us made our process much easier than expected. He took care of the small details other neglected to put the time and efforts to solve. He made us feel like we are in good hands and in the end we were. We are really thankful for his hard work. Highly recommend him for real estate assistance and guides.Judy Michalson
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Mr. Warren is an outstanding attorney. He helped me on multiple real-estate matters that were fairly complicated. His advice was excellent, he advocated for my interests, and he was highly responsive. I am grateful for his efforts and intend to use him in the future again.S. Kiousis
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Robert helped me with the sale of my home. This man was so knowledgeable he practically handled the whole thing for me. Not to mention his secretary is an absolute delight, so courteous and polite. Robert is the most phenomenal lawyer I've ever had to pleasure of working with.Daniel
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