' Tampa Chapter 13 Attorney - Law Offices of Robert M. Geller
CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

Tampa Chapter 13 Bankruptcy Attorney

Chapter 13 Bankruptcy

For some, Chapter 13 may be more advantageous than Chapter 7. Chapter 13 may help you stop a foreclosure, cure mortgage and auto arrears, eliminate a second or third mortgage, catch up on child support, or pay back real estate and income taxes. Some people who may not be eligible to file Chapter 7 may still be eligible to file Chapter 13 and eliminate some if not all of their debts. Chapter 13 may also allow you to keep certain assets which you may not be able to keep if filing Chapter 7.

At the Tampa Bay law firm, the Law Offices of Robert M. Geller, P.A., we help people file for bankruptcy protection under Chapter 13 of the Bankruptcy Code. After we help you to complete the required documents and submit them to the bankruptcy court, creditors must stop all threatening phone calls, collection notices and other types of creditor harassment.

How Chapter 13 Works

Chapter 13 bankruptcy is a reorganization of your debts over a period of three to five years. Payments are made to a Chapter 13 trustee during this period. At the end of the payment period, some, if not all, of your unsecured debt may be discharged. In Chapter 13, a written plan is filed determining how your debt will be handled and determining your payments. Our attorneys help you determine how to repay your secured debts such as your mortgages, back real estate taxes or your car payments. The plan also provides for treatment of unsecured debt such as credit cards, signature loans, medical debt, and repossessions. Our attorneys also help determine whether any of your unsecured debt needs to be paid back depending on your income, expenses and assets.

What Can I Keep Under Chapter 13 Bankruptcy?

A Chapter 13 bankruptcy filing may allow you to keep most of your property. It may help you stop a foreclosure of your home or a repossession of your vehicle even if you are behind in payments.

What if I Have a Second Mortgage? Do I Have to Pay?

If your house value has declined to the point where you owe more to the first mortgage holder than your home is worth, you may be able to eliminate any second or third mortgages and discharge the debt owed under Chapter 13. Your bank or other mortgage holder will seldom do this unless the debtor has the protection of the bankruptcy court. Many of our clients have used the Chapter 13 bankruptcy process to eliminate second and third mortgages.

Other Benefits of Chapter 13

In addition to stopping creditor harassment, eliminating or reducing second mortgages, and allowing you to keep your house and car, other possible benefits of a Chapter 13 bankruptcy may include predictable payments, protection of any co-signers, and stopping tax penalties and interest charges.

Contact a Bankruptcy Lawyer

To learn more about Chapter 13 bankruptcy and whether it is the right path for you, contact our Tampa, Florida, law firm. Call us at 813-254-5696 to schedule a free initial consultation. Attorney Robert M. Geller is a certified specialist in Consumer Bankruptcy Law by the American Board of Certification *.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

* Accredited by The Florida Bar to certify lawyers in the specialty area(s) of consumer bankruptcy law.

Video Testimonials

Tampa Bankruptcy Law Blog

Are Trusts Protected from Bankruptcy?

Trusts are powerful estate planning tools. They allow people to protect and distribute their assets according to their wishes. This...
Read More

The Truth About Bankruptcy and Buying a Car

The Truth About Bankruptcy and Buying a Car Bankruptcy often carries a stigma of financial ruin and a bleak future....
Read More

How Do Bankruptcy Lawyers Get Paid?

Bankruptcy can be a stressful and overwhelming experience, but having the right legal representation can make all the difference in...
Read More

Do You Lose Your Home When You File for Bankruptcy?

Filing for bankruptcy can be a daunting prospect, especially when it comes to concerns about losing one's home. Your home...
Read More

Can You File Bankruptcy During a Divorce?

Divorce and bankruptcy are personally difficult and also complex legal processes that can have significant implications for your financial future....
Read More

Can You File Bankruptcy on Restitution?

Facing financial struggles can be overwhelming, especially when debts include complex legal obligations like restitution. What is restitution and how...
Read More

Can You File Bankruptcy After a Judgment?

Receiving a judgment against you in a lawsuit can be a distressing experience. This is especially true if you're already...
Read More

Can Back Taxes Be Included in Bankruptcy?

Dealing with back taxes can cause a lot of stress and financial burden for anyone facing financial hardship. If you're...
Read More

Can an Estate File for Bankruptcy?

Many people wonder whether or not an estate, such as the one left behind after someone passes away, can file...
Read More

How Long Should I Keep My Bankruptcy Discharge Papers?

If you've successfully navigated the bankruptcy process and received your discharge papers, congratulations are in order. It's a significant milestone...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions