Notice: Due to COVID-19: The Law Offices of Joseph J. Mancuso, PA will be offering FREE initial consultations by phone, Zoom or Skype videoconferencing, and we have temporarily extended our regular office hours (by phone) to M-F 7:00 AM to 6 PM for both current and new clients. Learn More.

We Provide Real Solutions for Real People Our mission is to help people out of debt, and we don't take shortcuts

Call Your Local Chapter 13 Attorney

Proudly Serving Individuals Throughout the Orlando Area

If you are unable to keep up with your finances, it is important to know that you are not without hope. By getting the involvement of an experienced bankruptcy lawyer who you can trust, you can take the first step toward getting your finances under control and moving forward with a fresh start.

Our firm can help you. Learn why you should call us now:

  • Free Consultation
  • Nearly a 100 Years’ Combined Experience
  • Genuinely Care About Our Clients

Don’t live another day with the stress of debt. Call (407) 378-5488 today for a free consultation!

How Does Chapter 13 Work?

Chapter 13 bankruptcy is commonly referred to as a “wage earner’s plan” as it is commonly used by those with a regular income. Under Chapter 13, debtors can put together a repayment plan so that they can repay their creditors over a period of three to five years. If your current monthly income is less than the state median, this plan will be for three years; however, you may be able to extend it to five years so long as the court approves.

Just some of the benefits of filing for Chapter 13 bankruptcy:

  • Automatic Stay – Once you file, all creditors must stop all attempts to collect.
  • Put a Stop to Foreclosure – The automatic stay will put a halt on foreclosure proceedings.
  • Shows for Less Time on a Credit Report – Chapter 7 shows on your credit report for 10 years. Chapter 13 only shows for 7.

Who Is Eligible for File for Chapter 13?

Individuals are eligible to file for Chapter 13 so long as they meet the following requirements (It is important to note that these numbers are subject to change based on consumer price index changes):

  • Unsecured Debt – Less Than $383,175
  • Secured Debt – Less Than $1,149,525

At the Law Offices of Joseph J. Mancuso, we understand the complexities of Chapter 13 and can provide the trustworthy guidance that you need to navigate through it. Call us today at (407) 378-5488 if you would like to discuss your case in a free consultation.

Contact the Law Offices of Joseph J. Mancuso, P.A.

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