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Gainesville chapter 13 bankruptcy

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Chapter 13 Bankruptcy Attorney Gainesville

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy in Gainesville is a restructuring of your debt for a three to five period of time in order to pay off some of the debt.  Your lender and you will discuss terms to a repayment plan and at the end of that plan the remainder of your outstanding debt will be forgiven.  You must have sufficient income in order take on the additional responsibility of paying back your delinquent debt payments as well as current payments, so a significant amount of disposable income is needed to file chapter 13 (if you don't have enough you may qualify for Chapter 7).  In order to qualify for chapter 13 bankruptcy you must earn more than the median household income in your state and have no more than $1,010,650 in secured debt and $336,900 in unsecured debt.  Any secured debts you have are allowed the option for made up delinquent payments to avoid repossession or foreclosure on that property, which can be included in the chapter 13 repayment plan.

If you are receiving harassing phone calls from your creditors, missing payments on your mortgage or other bills, or are overwhelmed by your debt than you should meet with an experienced Gainesville bankruptcy attorney to discuss your options. 

We Always Offer a Free Consultation!

Call our offices toll free at (352) 519-4299 or fill out the form to the right of this page and we will contact you to set up your free consultation today.

Law Offices of Justin McMurray, P.A

2135 NW 40th Terrace,Suite C
Gainesville, FL 32605

Phone: (352) 519-4299 Facsimile: (866) 796-2242

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Gainesville Bankruptcy Office:
Law Offices of Justin McMurray, P.A.
2135 NW 40th Terrace, Suite C
Gainesville, FL 32605
(352) 519-4299

10175 Fortune Parkway Suite 603, Jacksonville, FL 32256