Chapter 13 Bankruptcy Lawyer in Florida
If you are one of countless Florida homeowners and individuals who is overwhelmed by debt, do not give up. You have options.
I am Timothy J. Sierra, Attorney At Law, and I have dedicated my law firm to helping people explore these options. With 24 years of legal experience, I have assisted numerous clients to file for Chapter 13 bankruptcy and gain a fresh financial start.
Why People Choose Chapter 13
Chapter 13 bankruptcy involves a three- to five-year repayment plan for debts. Most people who file a Chapter 13 petition do so for one of five reasons:
- They want to avoid the liquidation and sale of their property that is required in Chapter 7 bankruptcy.
- They have fallen behind on their car payments or house payments and need time to catch up.
- They want to repay their state or federal tax debt without interest or penalties.
- They genuinely desire to repay their creditors what is owed, but they need a manageable payment plan to do so.
- They make too much money to qualify for filing Chapter 7.
- They want to remove a second mortgage if circumstances permit
- They want to restructure car payments over 5 years.
In addition to the benefits listed above, filing a bankruptcy petition will put an automatic stay into effect. This automatic stay is a court-issued order that will stop creditor harassment, wage garnishment and debt-related lawsuits against you.
Talk to a Tampa, Riverview and Brandon Debt Repayment Attorney
To learn more about how a Tampa Chapter 13 bankruptcy attorney can help you obtain debt relief and gain a fresh start, arrange a free initial consultation. Call the Tampa office toll free at 877-492-7449 or locally at 813-463-2256, or fill out the online contact form. All phone messages and e-mails are returned within 24 hours. Se habla español.
†We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
