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Miami Chapter 13 Bankruptcy Attorneys

Helping you Reorganize & Discharge Your Debt

Chapter 13 is a consumer reorganization and involves the use of your discretionary income to repay creditors over a period of 3 to 5 years. A debtor can reorganize and discharge his or her financial obligations under the protection of the Bankruptcy Court, while experiencing relief through an the automatic stay, which requires all debt collection efforts to cease during the pendency of the bankruptcy case.

Chapter 13 bankruptcy can offer a variety of tools to a consumer to improve their financial affairs, including saving their a home from foreclosure, time to repay creditors, and a discharge. Chapter 13 can provide a consumer with a fresh start without a liquidation of assets which may be required in a Chapter 7 bankruptcy.

Is Chapter 13 right for you? Do you qualify? These are key issues that should be discussed with your attorney before you file. Our Miami, Fort Lauderdale, and West Palm Beach Chapter 13 bankruptcy lawyers can provide you with the knowledge and focus required, drawing upon over 45 years of combined legal experience. At Edelboim Lieberman Revah Oshinsky PLLC, we want to help you make the right decision about bankruptcy. We want to help you experience all the potential benefits that Chapter 13 may have to offer.

For a free initial consultation, give us a call at (305) 712-6097. We will be happy to answer your questions.

Understanding Chapter 13 Bankruptcy

If you have a regular income and want to protect all of your property, Chapter 13 may be a good option for you. Chapter 13 bankruptcy can offer the following advantages:

  • Filing Chapter 13 will invoke the automatic stay which stops debt collectors and creditor harassment;
  • You will be required to continue to make your regular mortgage payments and use your discretionary income to repay your creditors;
  • Chapter 13 can be used to help cure your unpaid mortgage arrearage and pay it back over the course of 3 to 5 years;
  • You may be able to remove junior liens and mortgages on your real estate if the value of the real estate is less than the value of your first mortgage; and
  • At the end of your Chapter 13 you will receive a discharge and any creditors that are unpaid at the end of the 3 to 5 year payment plan will be discharged.

Get more information that applies to your specific financial situation and goals. Contact a Chapter 13 attorney in Miami at (305) 712-6097 today.

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