Chapter 13 in Cocoa Beach

Cocoa Beach, Florida, Chapter 13 Bankruptcy Lawyers

For those who do not qualify to file for Chapter 7 bankruptcy or for those facing home foreclosure, Chapter 13 bankruptcy provides consumers with an opportunity to obtain a fresh start. By creating a payment plan, debtors repay a percentage of what is owed within a three- to five-year time period. At the Law Office of Paul L. Urich in Cocoa Beach, Florida, our lawyers offer a free initial consultation to explain how the process works. Contact us to learn more.

Chapter 13 Repayment Plan

Chapter 13 bankruptcy allows consumers and their attorneys to create a debt repayment plan. Within three to five years, depending on your circumstances, this plan effectively pays a percentage of the unsecured debt you owe, such as credit card bills, payday loans and hospital bills. At the end of the plan, certain debts are discharged. However, these discharged debts do not include most income taxes, alimony/spousal support and child support.

As with Chapter 7, when you file for Chapter 13 bankruptcy, an automatic stay goes into effect. This stops all collections activities, including:

• Repossession
• Eviction
• Foreclosure
• Wage garnishment
• Bank account garnishment
• Creditor harassment

When you are facing financial crises and see no way out, call Law Office of Paul L. Urich in Cocoa Beach. We practice consumer bankruptcy law exclusively.

Free Ch. 13 bankruptcy consultation: Call 321-406-0711 or fill out our contact form to discuss your case with a Florida bankruptcy attorney at no charge.

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