SCHLEGEL LAW OFFICES, P.A. - Brevard County Bankruptcy Attorney and Family Law Attorney
Bankruptcy attorney, Chapter 13.
In a Chapter 13 Bankruptcy, debts that are generally consolidated are mortgage arrears, balances on vehicle loans, credit card debts, loans, and other unsecured debts.  All debts that you have that are outstanding, must be included in the Chapter 13 Bankruptcy consolidation. 
Chapter 13 Bankruptcy also allows debtors to cure arrearages in their mortgage payments, possibly strip second mortgages, while Chapter 7 Bankruptcy does not. Chapter 13 Bankruptcy allows debtors to discharge debts which the creditors could object to debtors' discharge under Chapter 7 Bankruptcy including, but not limited to, fraud on credit applications, spending sprees, and other grounds that allow creditors to contest debtor's Chapter 7 Bankruptcy.
In a Chapter 13 Bankruptcy, you must be working or have a consistent income for your repayment plan to be approved by the Court. Although Chapter 7 Bankruptcy allows debtors to discharge taxes in certain situations, Chapter 13 Bankruptcy contains a broader discharge provision, which is often very beneficial to debtors. Chapter 13 Bankruptcy provides many debtors with additional powers, which are not available in Chapter 7 Bankruptcy.
Chapter 13 debtors are obligated to pay Chapter 13 Trustee monthly payments in return for enhanced powers provided in Chapter 13 Bankruptcy. We hope that the information on this site has helped you in your choices ahead if you are contemplating filing for bankruptcy.
Do not wait any longer, if you are in need of a Brevard County bankruptcy attorney for a Chapter 7 or a Chapter 13, please Contact Us today and start rebuilding your credit for the future. The initial consultation is free.
If you need a Melbourne bankruptcy attorney, Contact Our Law Office in Melbourne, Brevard County, Florida, if you are in need information in filing for bankruptcy and wish for the assistance of a Bankruptcy attorney - Chapter 7 or Chapter 13. We proudly serve all of Brevard County including Viera, Suntree, Rockledge, Titusville, Port St. John, Palm Bay, Cocoa, Cocoa Beach, Mims, Melbourne Beach, Indialantic, Satellite Beach, Sebastian, West Melbourne, Port Malabar, and Port Canaveral.
Ready for a Fresh Start in 2015? Contact Schlegel Law Offices today. Call us at (321) 872-6500 or fill out the form below and we will contact you.
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We are a debt relief agency, we help people file for bankruptcy under the U.S. Bankruptcy Code.
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