Chapter 13 Bankruptcy Lawyer in Miami, Florida
Does This Sound Like Your Situation?
I have too many properties!!!
I’m behind on my mortgage payments or my car payments.
I have the necessary income to cover my living expenses, and a little extra to contribute towards my debts, but not enough to pay all my credit cards.
“I Just Can’t Get Caught Up!”
At the Bankruptcy Law Offices of James Schwitalla, P.A. we have helped thousands of people in your situation get back on solid financial footing by filing a Chapter 13 bankruptcy.
Call (305) 278-0811 for more information about getting a new financial start.
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, a Chapter 13 requires you to repay a portion of your debts through a debt repayment plan.
Although Chapter 13 bankruptcy requires payments, it has added benefits not available in Chapter 7. In certain cases, you can eliminate second or third mortgages and lower your car payments. Like Chapter 7, it 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. If you have received a Chapter 7 bankruptcy discharge of debts in the past, you may not be eligible for Chapter 7, but you may still qualify for Chapter 13 bankruptcy in bankruptcy court.
Contact an experienced Miami bankruptcy attorney for more information.
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 Her husband had withdrawn $20,000 from an equity line of credit and had put additional mortgages on the property without her knowledge.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 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 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 keep her home.*
*Actual results obtained for a client in a Chapter 13 bankruptcy case by Mr. Schwitalla and his staff. The name of the client has been changed to protect her privacy.
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The hiring of a lawyer is an important decision that should not be solely upon advertisements. Before you decide, ask us to send you free, written information about our qualifications and experience.
We are a debt relief agency. As bankruptcy attorneys in Miami, we help people file for bankruptcy relief under the Bankruptcy Code.