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Chapter 13 Bankruptcy in Florida

Is your family struggling to pay your bills, making late mortgage payments, or being harassed with constant collection calls? If your debts have taken over your life, bankruptcy can give you back control.

Filing for Chapter 13 in Florida allows you to reduce and reorganize your debts, then consolidate them into an affordable monthly payment. Restructuring can give you the time you need to pay your debts. Instead of multiple bills that you can't afford to pay, a Ch. 13 repayment plan combines your obligations into a single monthly installment that works with your budget. You'll submit your payment to a court-appointed trustee until your 3-to-5 year program is complete.

Call or text DebtStoppers today at 786-420-4545 to request a complimentary debt analysis with one of our skilled Florida attorneys. We'll discuss your options and help you decide whether bankruptcy can help you get your finances under control.

Florida Requirements for Filing Chapter 13 Bankruptcy

Bankruptcy laws include rules for who is allowed to file in Florida. Before you qualify, you will be required to complete credit counseling with a qualified counselor. You will also have to attend a financial management class. Your DebtStoppers attorney can make all the arrangements.

How Much Does It Cost To File Chapter 13 in Florida?

While the cost of legal fees varies between cases, DebtStoppers rates are among the most reasonable in Florida, and affordable payment plans are always available. In addition to attorney fees, you will be charged a $310 filing fee to start your Chapter 13 case.

Walk Me Through the Chapter 13 Process

The first step in the process is to submit Chapter 13 forms to the district court nearest you. As soon as you file your petition, the court will grant an automatic stay that prohibits your creditors from trying to collect from. This court order can stop:

  • Foreclosure
  • Repossession
  • Wage garnishment
  • Debt collection letters
  • Lawsuits
  • Collection calls
  • Any other creditor contact

All You Need To Know About the Means Test

If you want to file for Chapter 7, you'll have to pass the "means test" to show that you can't afford to pay your debts. The means test looks at your household and disposable incomes. If either of these is too high, you don't qualify to have your debts discharged.

There are no income limits with Chapter 13; you can file no matter how much money you earn. While a court-appointed trustee will consider your household and disposable income information when deciding the amount of your monthly payment, you can never be excluded because of the size of your paycheck.

Debtstoppers Bankruptcy Protection Is Here To Help

DebtStoppers has helped thousands of Florida families in Homestead, Hialeah, and the rest of the Miami area. Filing for Chapter 13 can help you take control of your family's debts and move on with life. Call or text us today at 786-420-4545 to schedule a free financial evaluation and discover how our debt relief plans can improve your circumstances. Our experienced Florida lawyers are eager to assist you and your family.

DebtStoppers can put you back in control of your own life. Request a free consultation with one of our accomplished Florida attorneys to learn how bankruptcy can help your family. Just call or text us at 786-420-4545 today!