Orlando Bankruptcy Attorney - Law Office of K. Hunter Goff, P.A.

Orlando Chapter 13 Bankruptcy Lawyer

Chapter 13 Bankruptcy

As an Orlando bankruptcy lawyer, I love representing clients in Chapter 13 Bankruptcy.  Part of that reason is because you can accomplish so much in a Chapter 13 that you can’t do in a Chapter 7. Here are a few things I can do for my clients in a Chapter 13 Bankruptcy:

  • Get Rid of a Second mortgage Forever

  • Save  Significant Money on a Car Loan
  • Defer Student Loan Payments for 5 Years
  • Keep Assets You would Lose in Chapter 7
  • Surrender a Home and Wipe Out the Debt
  • Surrender a Car and Wipe Out the Debt

Of course this is just part of the menu of items available to you in Chapter 13 bankruptcy.  For the full course, please feel free to contact me, and experienced Orlando bankruptcy lawyer, so that I can develop a Chapter 13 strategy that meets your needs and accomplishes your goals.  The call is free, the result can be invaluable.  407-898-8225.

Chapter 13 Bankruptcy: It’s All About Having a Plan

When my clients hire me to become their Orlando bankruptcy lawyer, they do so in large part because I have constructed a detailed Chapter 13 payment plan for them at their first meeting with me, which of course is FREE.  In that Chapter 13 plan, which is filed with the Court at the beginning of a case, I spell out for my clients exactly what their monthly payment will be to the Chapter 13 Trustee and my clients immediately see how much debt they are eliminating.

One of the strongest myths that has survived since the bankruptcy laws changed in 2005 is that, in a Chapter 13 bankruptcy, you have to pay back ALL of your credit card debt.  This has never been the case and, as an Orlando bankruptcy lawyer, I routinely file what are called “0% plans” for my clients. Meaning, you pay NOTHING back to your credit cards during the Chapter 13 payment plan.

Want to know if you qualify for a 0% Chapter 13 Plan?  Call me and find out.  407-898-8225

You Can Keep Your Property

In Chapter 13 Bankruptcy, some of your debt is consolidated into a repayment plan while other debt is completely eliminate and you don’t have to pay it back.  This payment plan may pay back a percentage of your unsecured debt (think Credit cards, medical bills, etc…) over a three to five year period by you making monthly payments to a Chapter 13 Trustee.

In addition to structuring a payment plan that works for you, we work hard on your behalf to ensure you can keep the property you want to keep and eliminate your liability to pay for property you may not want to keep.

What About Student Loan Debt?

Student loan debt generally cannot be discharged through Bankruptcy.  However, there is relief to be had through the filing of a Chapter 13 Bankruptcy. I can help buy you some time, up to 5 years, to avoid having to pay crippling student loan debt.  The idea here is that when you finish the bankruptcy 5 years from now you will be debt free, hopefully have some money saved up, and the you can tackle the student loan debt.

Are you interested in getting a fresh start on your finances?  When you’re ready,  Contact me to learn how I can help.  407-898-8225

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