Debt Relief Law Offices of Tampa Bay

Tampa Bankruptcy Attorney 727-849-3328

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is available for people whose income is above the median income in Florida for a household of their size, or who wish to repay their debts over three to five years. Ziona Kopelovich, Esq., brings more than 15 years of experience to people seeking to reorganize their debt under Chapter 13. Attorney Kopelovich is certified in consumer bankruptcy law by the American Board of Certification.

At the Debt Relief Law Offices Of Tampa Bay, LLC, our goal is to minimize the difficulties you face and help you use the bankruptcy laws to get a fresh financial start.

Chapter 13 Bankruptcy Basics

When you hire us to file a Chapter 13 bankruptcy petition, we will prepare and file all the necessary documentation. We will also be your liaison with creditors, the bankruptcy trustee and the court. We will prepare a debt payment plan that is within your means and will protect your assets, and we will submit it for approval by the court. In order to keep the court’s protection, you must abide by the terms of your plan. When the repayment plan is completed successfully, the court may approve a discharge of some of your debt.

All chapters of bankruptcy provide protection from collection activities with the automatic stay. Once you file, creditors are not allowed to harass you, repossess property or garnish your wages. Additionally, Chapter 13 can be used to stop a foreclosure sale on your home and help you catch up on the mortgage arrears. Chapter 13 can also help you eliminate or strip certain liens on your home in some circumstances. Speak with us to find out if you qualify.