Chapter 13 Bankruptcy Attorney in Glenvar Heights, FL

Chapter 13 Attorney in Glenvar Heights, Florida: Helping You Navigate Bankruptcy

Written By: Attorney Robert Stiberman| Updated 5/8/2023

Chapter 13 Bankruptcy Attorney in Glenvar Heights

Glenvar Heights Chapter 13 Attorney

Outline:

  1. Introduction
  2. What is Chapter 13 bankruptcy?
  3. Benefits of filing for Chapter 13 bankruptcy
  4. How to find a Chapter 13 attorney in Glenvar Heights, Florida
  5. Where do I file for Chapter 13 bankruptcy if I live in Glenvar Heights, Florida?
  6. The Chapter 13 bankruptcy process step-by-step
  7. What debts can be discharged in Chapter 13 bankruptcy?
  8. What debts cannot be discharged in Chapter 13 bankruptcy?
  9. Who is eligible for Chapter 13 bankruptcy?
  10. How much does it cost to file for Chapter 13 bankruptcy?
  11. How long does a Chapter 13 repayment plan last?
  12. What happens after the Chapter 13 repayment plan is completed?
  13. Common mistakes to avoid when filing for Chapter 13 bankruptcy
  14. What to expect during your Chapter 13 bankruptcy case
  15. Conclusion
  16. FAQs

If you’re struggling with debt and considering bankruptcy, a Chapter 13 attorney in Glenvar Heights, Florida, can help you navigate the complex process of filing for Chapter 13 bankruptcy. Chapter 13 bankruptcy allows individuals with regular income to create a repayment plan to repay all or a portion of their debts over time. This article will cover everything you need to know about filing for Chapter 13 bankruptcy in Glenvar Heights, Florida, including where to file, how the process works, and common mistakes to avoid.

What is Chapter 13 bankruptcy?

Chapter 13 bankruptcy is often referred to as a “wage earner’s plan” because it is designed for individuals with regular income who can afford to pay their debts over time. Under Chapter 13 bankruptcy, debtors can create a repayment plan to repay all or a portion of their debts over three to five years. Once the repayment plan is complete, any remaining eligible debts are discharged.

Benefits of filing for Chapter 13 bankruptcy

One of the main benefits of filing for Chapter 13 bankruptcy is that it allows debtors to keep their property while they repay their debts. Unlike Chapter 7 bankruptcy, which requires debtors to liquidate nonexempt assets to pay back creditors, Chapter 13 bankruptcy allows debtors to keep their property and create a manageable repayment plan. Additionally, Chapter 13 bankruptcy can relieve foreclosure, allowing debtors to catch up on missed mortgage payments and keep their homes.

How to find a Chapter 13 attorney in Glenvar Heights, Florida

If you’re considering filing for Chapter 13 bankruptcy in Glenvar Heights, Florida, the first step is to find an experienced Chapter 13 attorney who can guide you through the process. You can start by searching online for attorneys in your area or asking for referrals from friends and family members. When choosing an attorney, finding someone with experience with Chapter 13 bankruptcy cases who can provide the guidance and support you need to make the best possible outcome is essential.

Where do I file for Chapter 13 bankruptcy if I live in Glenvar Heights, Florida?

If you live in Glenvar Heights or  Miami-Dade county, you will need to file your Chapter 13 bankruptcy case in the Miami Division of the United States Bankruptcy Court for the Southern District of Florida. The Miami Division courthouse is located at C. Clyde Atkins United States Courthouse, 301 North Miami Avenue, Room 150, Miami, Florida 33144. Working with an experienced Chapter 13 attorney who can help you prepare and file your bankruptcy petition and navigate the bankruptcy court requirements is essential.

Glenvar Heights, FL wage garnishment attorney

The Chapter 13 bankruptcy process step-by-step

The Chapter 13 bankruptcy process can be complex and overwhelming, but an experienced Chapter 13 attorney can help you navigate the process step-by-step. Here’s an overview of what you can expect during the Chapter 13 bankruptcy process:

Step 1: Pre-filing requirements

Before filing for Chapter 13 bankruptcy, you must complete pre-filing requirements, including credit counseling and gathering financial documents.

Step 2: Filing the bankruptcy petition

Once you have completed the pre-filing requirements, you can file your bankruptcy petition with the bankruptcy court. Your attorney will help you prepare and file the necessary paperwork.

Step 3: Meeting of creditors

After your bankruptcy petition is filed, you will attend a meeting of creditors, answering questions under oath about your financial situation and repayment plan.

Step 4: Confirmation hearing

Once your repayment plan is complete, you will attend a confirmation hearing, where the bankruptcy court will review and approve your

repayment plan.

Step 5: Repayment plan

Under Chapter 13 bankruptcy, you will send payments to a bankruptcy trustee, who will distribute the funds to your creditors according to your repayment plan.

Step 6: Completion of the repayment plan

Once you have completed your repayment plan, any remaining eligible debts will be discharged, and you will receive a discharge order from the bankruptcy court.

Common mistakes to avoid when filing for Chapter 13 bankruptcy

Filing for Chapter 13 bankruptcy can be a complex and daunting process, and there are several common mistakes that debtors should avoid. Some of these mistakes include the following:

  • Failing to meet pre-filing requirements, such as credit counseling and gathering financial documents
  • Failing to file all necessary paperwork with the bankruptcy court
  • Failing to disclose all of your assets and debts accurately
  • Failing to make timely payments to the bankruptcy trustee
  • Failing to complete your repayment plan

An experienced Chapter 13 attorney can help you avoid these mistakes and ensure your bankruptcy case proceeds smoothly.

Conclusion

Filing for Chapter 13 bankruptcy in Glenvar Heights, Florida can be complex and overwhelming. Still, an experienced Chapter 13 attorney can help you navigate the process and achieve the best possible outcome. Working with a knowledgeable attorney can create a manageable repayment plan, keep your property, and relieve your debts. If you’re considering filing for Chapter 13 bankruptcy, finding an experienced attorney who can guide you through the process is essential.

FAQs

  1. What is the difference between Chapter 7 and Chapter 13 bankruptcy?
  • Chapter 7 bankruptcy requires debtors to liquidate nonexempt assets to repay creditors, while Chapter 13 allows debtors to keep their property and create a manageable repayment plan.
  1. Can I file for Chapter 13 bankruptcy on my own?
  • While filing for Chapter 13 bankruptcy without an attorney is possible, it is not recommended, as the process can be complex and overwhelming.
  1. Will filing for Chapter 13 bankruptcy affect my credit score?
  • Yes, filing for bankruptcy can hurt your credit score, but it can also provide a fresh start and help you rebuild your credit over time.
  1. How long does the Chapter 13 bankruptcy process take?
  • The Chapter 13 bankruptcy process typically takes three to five years, depending on the length of the repayment plan.
  1. Can I keep my home if I file for Chapter 13 bankruptcy?
  • Yes, Chapter 13 bankruptcy can pause foreclosure and allow debtors to catch up on missed mortgage payments and keep their homes.

Experienced Glenvar Heights Chapter 13 Lawyer Robert Stiberman Can Help

At the Stiberman Law Firm, our work focuses on bankruptcy, wage garnishment, and debt solutions. We know what legal protection you can obtain under Chapter 7 or 13 bankruptcy. If you’re considering filing for Chapter 13 bankruptcy in Glenvar Heights, Florida, don’t hesitate to contact Robert Stiberman, an experienced Chapter 13 attorney who can guide you through the process and help you achieve the best possible outcome.

With years of experience representing debtors in Chapter 13 bankruptcy cases, Robert Stiberman has the knowledge and expertise to help you create a manageable repayment plan, keep your property, and get you debt relief. Contact Robert Stiberman today to schedule a consultation and take the first step towards financial freedom.

If you would like to schedule a consultation with Robert Stiberman and learn how he can help you, please call (954) 758-4324 or fill out a contact form below. Don’t let debt stake over your life – contact Robert Stiberman today.

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