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St. Augustine 13 Bankruptcy Attorney

Filing under Chapter 13? Call Albaugh Law Firm.

If you are choosing to file for bankruptcy under Chapter 13, you should understand the process and the logistics involved. As the debtor, you can propose a three- to five-year plan for repayment to your creditors. During this time, you can pay off either all or most of the debts from your future income. This type of bankruptcy is often used by debtors who want to keep their secured assets. As it is a reorganization type of bankruptcy, it allows you the chance to pay back debtors with reasonable payments after reorganizing your debts. If you failed the means test, want to keep your non-exempt assets, or need to prevent foreclosure on your home, schedule a free case evaluation with our firm at once. Our St. Augustine lawyers are here to help you through your case!

Benefits of Chapter 13

Many benefits exist for individuals who choose to file for bankruptcy under Chapter 13. For instance, you can:

  • Prevent a home foreclosure
  • Make up missed car / mortgage payments
  • Pay back taxes
  • Stop interest from accruing on your tax debt
  • Keep the value of non-exempt property

If you keep up with the terms of your Chapter 13 bankruptcy, your remaining debt will be released at the end of the plan. Under this type of reorganization bankruptcy, debtors are able to make up overdue payments without creditor harassment.

Chapter 13 Bankruptcy in St. Johns County

As you prepare to file for bankruptcy, we encourage you to get the legal assistance you need. Bankruptcy is not a process that should be pursued on one's own but requires experienced guidance. At the Albaugh Law Firm, we can discuss your case with you to help you navigate the complex nuances that could result in an unfavorable result. Individuals who are unfamiliar with the process can potentially get into further financial difficulty. Contact us today for the legal guidance you need!