Chapter 13

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Chapter 13 Bankruptcy Attorney In Doral, Florida

What Is A Chapter 13 Bankruptcy?

If you're struggling with house or car payments in Florida, a Chapter 13 bankruptcy option, offered by Frank & De La Guardia, can interrupt foreclosure proceedings, assist in retaining your car, and potentially aid in decreasing your payments. In unique circumstances, you may even be eligible for a payment plan where a fraction of your debt is settled while maintaining possession of your valuables such as your home and car. Even if you're burdened with unpaid parking tickets resulting in the loss of your driver's license, a Chapter 13 process can help you regain your license.


Chapter 13 bankruptcy is a legal process that allows individuals to reorganize their debt and create a payment plan to repay their creditors. Unlike Chapter 7 bankruptcy, which involves liquidating assets to pay off debts, Chapter 13 allows you to keep your possessions while paying back your debts over a period of three to five years.


Frank & De La Guardia is an experienced law firm in Florida that specializes in helping individuals navigate the complexities of Chapter 13 bankruptcy. With their experience, they can help you stop foreclosure proceedings on your home, allowing you more time to catch up on missed payments. This option is particularly beneficial if you're struggling with mortgage payments or facing the threat of losing your home.


To seize the full advantages of a Chapter 13 bankruptcy, the adept team of bankruptcy lawyers at Frank & De La Guardia is at your service. With a proven track record in managing Chapter 13 processes for our clients, we're equipped to support you toward an affirmative resolution. To understand how we at Frank & De La Guardia can assist you, schedule a meeting with Rodolfo De La Guardia or Michael A. Frank today.

Call Frank & De La Guardia at 305-928-1786 to schedule a consultation with a lawyer today.

How Do I Qualify for a Chapter 13 Bankruptcy?

Primarily, a consistent, reliable income is needed – sufficient for making regular court-sanctioned payments. This income isn't strictly tied to employment, but can also be derived from sources such as Social Security or disability benefits, unemployment compensation, retirement perks, or even earnings from your rentals. However, you need to bear in mind that if your work involves dealing with stocks or commodities, Chapter 13 bankruptcy isn't an option you can avail. Similarly, corporations cannot benefit from Chapter 13 relief. Yet, for sole proprietors and those who are self-employed, Chapter 13 could be a viable choice provided the scale of their debts resides within certain predefined limits. Moreover, if your obligations extend over a period of three to five years, there's a likelihood of qualifying, contingent upon passing a means test to verify your eligibility. At Frank & De La Guardia, we're prepared to scrutinize your situation before you decide to file, and we'll guide you in understanding if Chapter 13 bankruptcy aligns with your best interests. Begin the process by getting in touch with our Florida office at your earliest convenience.

What Happens During a Chapter 13 Proceeding?

First, you'll need to confirm your eligibility through the means test we've previously discussed. If you're eligible, filing for a Chapter 13 bankruptcy with the assistance of Frank & De La Guardia in Florida will halt all foreclosures, wage garnishments, repossessions, lawsuits, or other creditor harassment. While Frank & De La Guardia will assist you in devising a repayment plan, court approval is mandatory.


The court will decide if you've proposed your plan in good faith, and that the sum your unsecured creditors will get is no less than what you would have paid with a Chapter 7 filing. Furthermore, your payments must maximize all your disposable income - which entails all income not allocated towards your upkeep and maintenance. It's a multifaceted process, but with Frank & De La Guardia by your side, you can surmount this journey with confidence. To initiate the process, reach out to their Florida office today.

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Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

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