Chapter 13 Bankruptcy

Winter Park Debt Reorganization Attorney

Many people worry about the supposed drawbacks to filing for bankruptcy. Will I lose my house? What about my personal property? How will it affect my credit score? However, with an experienced bankruptcy lawyer, filing for bankruptcy can actually be the means to help you save what matters most to you.

I am attorney Paul V. Moyer. I have over 31 years of legal experience helping people obtain fresh starts through bankruptcy. From my office in Orlando, Florida, I help clients in the surrounding communities reorganize their debt through Chapter 13 bankruptcy.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is an alternative option for those who do not qualify for Chapter 7. In Chapter 13, your unsecured debts are reorganized into one debt repayment plan, to be paid back in monthly payments over three to five years. Once the payment period is finished, the remaining balance is discharged.

What Are the Benefits of Bankruptcy?

One of the primary benefits of Chapter 13 is that it can stop foreclosure on your house if certain criteria are met. When you hire me, we will go over your finances together and explore what's best for you in terms of foreclosure defense.

Bankruptcy laws often protect certain personal possessions up to a certain dollar amount. This means that you can save your car and other personal belongings from repossession, depending on the circumstances. I work one on one with you to determine what property you can keep.

Although bankruptcy will initially lower your credit score, your credit rating is probably already low by the time you seek help from an attorney. After the bankruptcy is complete, it is likely not as difficult to rebuild your credit. Once you are free from the burdens of unsecured debt, you could see an increase in your credit in as little as six months if you continue to make payments on time, and your employment is stable.

Filing for bankruptcy also protects you from creditor harassment and wage garnishment. I work with you, the courts, your creditors and your employer to protect your rights under Chapter 13 bankruptcy laws.

Get the Debt Relief You Need

You prevent foreclosure and obtain the debt relief you need through bankruptcy. All it takes is one call. Contact my office by calling locally at 407-774-5230 or toll free at 888-592-1841 to schedule a free initial consultation with an experienced Orlando chapter 13 bankruptcy attorney. I offer payment plans for certain cases under Chapter 13 bankruptcy.

My firm has been designated as a debt relief agency. I help people file for bankruptcy under the United States Bankruptcy Code.