Avoid Foreclosure on your Home
Helping Individual Debtors Restructure Payments and End Creditor Harassment
If you are struggling to make ends meet, but either don't qualify for the discharge of debts under Chapter 7 or prefer to repay your creditors in full, you want an experienced lawyer to help you understand how a Chapter 13 bankruptcy proceeding can provide debt relief.You need a highly competent attorney who will guide you through the process and protect your interests.
At the Law Office of Robert C. Bruner in Florida, we bring over 20 years of experience to people who want to restructure or reorganize debt under Chapter 13 of the federal bankruptcy laws. We have built our successful practice on a commitment to personal service and attention, combined with a high level of responsiveness. When you contact our office, you will always have the opportunity to speak directly with an attorney. For a free initial consultation, send us an e-mail or call us at 850-270-0016 (toll free at 888-402-6927).
Our Chapter 13 Practice
Under the recent revisions to the bankruptcy laws, you must qualify to discharge your debts under Chapter 7 through a means test. If you do not qualify for Chapter 7, we will review your income potential and your obligations to determine whether you can pay your creditors in full over a three- to five-year period by negotiating new terms. If so, your only recourse in bankruptcy will be under Chapter 13. Regardless of whether you file for Chapter 7 or Chapter 13, an automatic stay will go into effect, preventing your creditors from attempting to collect the debt through any means other than the bankruptcy proceeding.
When we represent you in a Chapter 13 filing, we handle all aspects of the bankruptcy. We will prepare and file all the documents necessary to initiate the process and will be your advocate in meetings or other proceedings with creditors, the bankruptcy trustee, or the court. We will help you put together a reorganization plan to submit to your creditors, and will review any proposed repayment agreements you receive from creditors. We will want to make certain that the repayment arrangement is within your means, so that you don't lose the protection of the bankruptcy laws by failing to meet your agreement. Also, as part of the Chapter 13 process, we may be able to stop or avoid foreclosure, helping you to keep your home.
Contact Our Office
To schedule an appointment with a Tallahassee Chapter 13 bankruptcy lawyer, contact us or call us at 850-270-0016 (toll free at 888-402-6927). We are available to meet with you any day of the week. All initial consultations are free.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.