Boca Raton Chapter 13 Lawyer

Chapter 13 Bankruptcy helped our Boca Raton client reduce their mortgage debt from $105K to $40K on their investment property and discharge all their credit card debts

We have the necessary knowhow and experience. Through Chapter 13 Bankruptcies, our law firm has helped many clients in the Boca Raton area to resolve their unsecured debt and save their homes. For example, by filing a Chapter 13 Bankruptcy, one of our clients was able to save both their homestead property and investment property located in Boca Raton, FL from a foreclosure sale. Our law firm filed a Chapter 13 Bankruptcy for our client so that our client could participate in the Mortgage Modification Mediation Program (MMM) and as a result our law firm was able to obtain an affordable mortgage payment for our client in their homestead property. Call (954) 922-2283 to Schedule a Free Consultation.

What is a Chapter 13 Bankruptcy?

If you have some assets, Chapter 13 is usually the best route. Different than Chapter 7, the Trustee will not seek to liquidate or sell your assets. It discharges the same debt as a Chapter 7 and involves a 36 or 60 month reorganization period.

Your Trusted Boca Chapter 13 Bankruptcy Lawyer

Robert Stiberman is a a highly regarded Chapter 13 lawyer serving Boca Raton. Stiberman Law, has the skillset to tackle your Chapter 13 Bankruptcy case.

How can we help resolve your debt issues?

Rest assured, will discuss how Bankruptcy can immediately stop foreclosures, Wage Garnishment, and other lawsuits and Collections - We can file same day when necessary.

Solutions that last - A discharge of the debt stops a creditor from ever collecting on the same debt.

An attorney you can afford

Times are tough. We’ll work with you on payment plans, even $0 down alternatives to pay our fees post filing. We'll sit down with you and prepare a plan.

Chapter 13 Bankruptcy offers great resources to tackle these issues:

Mortgage or Condominium Foreclosure - Facing Foreclosure? Bankruptcy offers a way to stop it and avenues to get current or seek to modify the loan. The Mortgage Mediation Modification Program or MMM has saves many homes.

High Vehicle Payments – We’ll evaluate if we can reduce your interest rate or loan amount for cased where you signed the loan more than 910 days ago.

Student Loan Debt - Finally , there's a new program for Student Loans in Bankruptcy.

IRS Debt and Bankruptcy - The general rule is that IRS Debt cannot be eliminated or discharged in Bankruptcy. However, there are exceptions where the liability is more than 3 years old, and the taxpayer has timely filed all required tax returns. So yes, there are instances where IRS debt can be discharged and an experienced Bankruptcy attorney at Stiberman Law will discuss this with you and prepare a Bankruptcy plan.

1 We meet during a Free Consultation

2 We obtain a Credit Report to get a picture of your debts

3 We'll discuss the benefits of Chapter 13 Bankruptcy

4 We handle all the paperwork

5 We prepare a Chapter 13 plan for your review and approval

6 We file your case and attend all hearings

How do I protect my property when I file? Will I lose my home? Can I keep my car?

1 How Bankruptcy affects your assets such as your car or your home

2 Types of debts that can be included

3 Length of the process

4 What documentation is needed

5 Understanding of fees, costs, and payment plans.

Is Chapter 13 right for me?

If you are behind on your mortgage or have assets, Chapter 13 is worth exploring.

Can I eliminate the same Debts as in a Chapter 7?

Yes, Chapter 13 deals with the same type of debts.

How does a Chapter 13 help me save my property?

There are tools to catch up with missed mortgage payments over or to seek to modify your loan.

How do I pay your attorney's fees?

Most of our fees can be paid after the case is filed inside the Bankruptcy plan.

Can I get rid of Student Loans?

There is an exciting Student Loan Program that recently came out. Talk to us to see if you can benefit from it.

"I've always had a passion for the Law." Founded in 2007 by Robert A. Stiberman, Stiberman Law has the skills and resources to serve your legal needs. We care deeply about our clients and provide our services with compassion.