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The Advantages of Filing a Florida Chapter 13 Bankruptcy Chapter 13 bankruptcy is also called “debt reorganization.” Like Chapter 7 bankruptcy, it can completely erase credit card and other unsecured debt, however Chapter 13 requires you to propose, and make payments into, a Chapter 13 a repayment plan. Filing for Chapter 13 bankruptcy stops creditor harassment, home foreclosure, and car and property repossession while giving you breathing room to get back on your feet and pay your bills. Filing Chapter 13 bankruptcy in Florida can also help you begin to rebuild your damaged credit rating. If you have received a Chapter 7 bankruptcy discharge of debts within the past eight years, you are not eligible for Chapter 7, but you may still qualify to file for Chapter 13 bankruptcy in south Florida bankruptcy court. Talk to an experienced Miami bankruptcy attorney for more information. Contact the Kendall, Florida, bankruptcy law office of attorney James Schwitalla. We’re conveniently located just off the Florida Turnpike, easily accessible from all parts of South Florida and the Florida Keys.

Chapter 13 Results Darlene was afraid of losing her home when she came to Miami personal bankruptcy lawyer James Schwitalla for help. She was behind on her first and second mortgages. Her husband had withdrawn $20,000 from an equity line of credit and had put additional mortgages on the property without her knowledge. Then he left. Instead of two mortgages, she had four; instead of two incomes, she had one—and $21,000 in credit card debt. Her financial situation had become unmanageable. When Miami personal bankruptcy lawyer James Schwitalla investigated her case and disclosed all of the facts to the court—including her husband’s fraudulent activities—Mr. Schwitalla was able to remove two of the mortgage claims on her home. She was approved for a payment plan for the other past due mortgage balances and she received an order of discharge that eliminated her credit card debts. Without those additional debt burdens, Darlene was able to pay for her living expenses and protect her home for herself and her child.* *Actual results obtained for a client in a Chapter 13 bankruptcy case by Mr. Schwitalla and his staff. The names of the clients have been changed to protect their privacy.

The Bankruptcy Law Offices Of James Schwitalla, P.A.
Park Place II • 12954 SW 133rd Court
Miami,  FL  33186
Phone: 305-278-0811 • Fax: 305-278-0812
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From his office in Kendall, Miami bankruptcy attorney James Schwitalla provides legal assistance with Florida Chapter 7 and Chapter 13 bankruptcy to residents of southwest Miami-Dade County, including Kendall, Westchester, Goulds, Sweetwater, Pinecrest, Homestead, Princeton, Naranja, Florida City, Cutler Ridge, and Richmond Heights; and all of Monroe County in the Florida Keys, including Key Largo, Marathon, Islamorada, Big Pine Key, Key West, Tavernier, and Plantation.