If you’ve been living beyond your means or have an adjustable rate mortgage that recently increased, you might be struggling financially. Chapter 13 bankruptcy could help. Although this is a tough decision to make, it’s best to call a law firm that represents people who file for Chapter 13 bankruptcies before making any final decisions. Here’s why:
Help Qualify You
A law firm that handles Chapter 13 bankruptcy in Tampa cases will help determine the type of bankruptcy that’s best for you. Some people qualify you for Chapter 7 bankruptcy that enable them to eliminate all debt, except for any IRS tax obligations. Others are more suited for Chapter 13 repayment plans. In either case, a bankruptcy attorney can help.
Expertise and Knowledge
Chapter 13 bankruptcy law firms employ highly experienced and licensed lawyers who are knowledgeable about Florida’s bankruptcy laws. They are also familiar with the forms that must be completed and they have worked with the judges and clerks who evaluate all cases. The experience can benefit you.
Assist With Filing
Your Chapter 13 bankruptcy Tampa attorney will help you with the bankruptcy filing process. In most cases, your attorney will review and complete the bankruptcy forms with you and then submit them to the appropriate parties.
Restructure Debt
In a Chapter 13 bankruptcy case, your debt will be restructured to make your monthly payments more manageable. This can enable you to keep your house and your vehicle. Furthermore, as long as you continue to make payments to your trustee, you’ll be in good standing.
Alleviate Stress
You’ve probably incurred a tremendous amount of stress when deciding whether to file for bankruptcy. Hiring a Chapter 13 bankruptcy Tampa counselor can help to alleviate this stress. There are a number of law firms that handle Chapter 13 bankruptcy cases in the Tampa area. Contact one today to learn more.
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