Is Chapter 13 Bankruptcy Right For You?
If you need to reorganize your finances in order to catch up on past due house payments, reorganize vehicle debt, deal with tax liens, or pay your debt in an organized single payment, Chapter 13 bankruptcy may provide the fresh start you have been looking for.
Many people think that bankruptcy is only for people who can’t manage money and that bankruptcy leaves people with terrible credit for the rest of their lives. The truth is often much different, however, and at Hathaway Sprague Law, P.A., attorney Kathryn Hathaway has years of experience showing people in the Florida Panhandle that bankruptcy can be the best option for repairing their finances and creating a better tomorrow.
Too many people put off speaking with a lawyer for months or even years. The sooner you get experienced legal help, the sooner you can reset your financial picture. Call our office today at 888-858-5404.
Learn More About Chapter 13 Bankruptcy
Unlike in Chapter 7 bankruptcy, where debts are discharged following partial repayment from liquidated assets, Chapter 13 allows eligible people to pay all or a portion of their debt over time. People who file for Chapter 13 are given between three and five years to pay down their debt, and after the repayment period, remaining debts are discharged in full.
Chapter 13 can be an excellent option for people who own a home and are facing foreclosure and want to rehabilitate their mortgages. Because we handle bankruptcy and foreclosure defense, our firm is well-equipped to provide the best strategy for saving your home and avoiding foreclosure. Eliminating wholly unsecured second mortgages may be possible. Some second mortgages can be reorganized.
We Would Like The Opportunity To Help You. Contact Our Firm Today.
Our offices are conveniently located in central Tallahassee, and we help clients throughout the Panhandle.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.