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Chapter 13 Bankruptcy Archives

Bankruptcy filings are low -- why is that bad?

Debt is something that virtually every person will have to deal with at least once or twice during their lives. While some consumers handle these debts effectively, many people in Florida struggle with monthly payments for things like their credit cards, auto loans and medical bills. Lower rates of bankruptcy might indicate that consumers are getting better at paying back their debts, but some experts caution that this explanation is not the whole story.

Can I discharge my tax debt in Chapter 13 bankruptcy?

Tax season can be a time of incredible stress if you do not have the funds to cover what you owe the government. As these bills grow, accumulating interest, you may find yourself at the bottom of an impossibly deep hole. Chapter 13 bankruptcy can usually help individuals in your situation, but you also need to determine if your tax debt is dischargeable through this process.

Don't give up social media -- use a debt repayment plan

Debt can weigh heavily on the mind of the typical Florida resident, with worrying thoughts intruding on otherwise peaceful activities. Although most people try their best to pay off their debts, the task often feels insurmountable. With growing balances and shrinking disposable incomes, some people would even give up their most beloved activities to get rid of debt. Luckily, a debt repayment plan through Chapter 13 can provide debt relief without anyone having to take drastic measures.

Chapter 13 bankruptcy: Debt common across generational lines

According to a recent survey, debt is almost as American as apple pie. Nearly three quarters of Americans have at least one kind of debt, which can create an enormous burden on the individual. While some people might think that certain individuals or generations might be more likely to accrue huge amounts of debt, this might not be the case. Virtually anyone in Florida can find themselves in need of debt relief through Chapter 13 bankruptcy.

Important deadlines for Chapter 13 bankruptcy

Realizing that you need to file for bankruptcy can be an overwhelming experience. You already know that you must make your initial filing and that at the end of the process your unsecured debt will be discharged, but what happens in the middle? Although it may seem complicated at first, the process for Chapter 13 bankruptcy is easy enough to follow. However, you should be aware of certain dates and deadlines that you must adhere to. 

Are auto issues contributing to Chapter 13 bankruptcy?

There is no denying America's deeply rooted car culture. From visiting the park to grocery shopping to commuting to work, it all takes place behind the wheel. However, a love of vehicles is not enough to keep Florida consumers from experiencing car-related money problems. In fact, automotive issues are among the top causes of consumer financial despair, which may lead some to seek relief through Chapter 13 bankruptcy. 

Rapper Lil' Kim seeks Chapter 13 bankruptcy protection

Regardless of income, assets or career, virtually anyone can find themselves drowning under debt. For some people in Florida this may be difficult to believe, but whether its through the slow accumulation of smaller debts or a massive financial disaster, anyone can find themselves with more debt than they can repay. Popular rapper Lil' Kim recently made this point clear when she filed for Chapter 13 bankruptcy.

Do I still have to repay my debt in Chapter 13 bankruptcy?

No one in Florida goes into debt with the intention of taking on more than they can handle, but the future is unpredictable. Jobs do not last forever, medical emergencies can drain savings accounts and emergencies can take both a financial and emotional toll on debtors. Chapter 13 bankruptcy provides a path of partial debt repayment that also creates the opportunity for better financial footing.

Is filng Chapter 7 or Chapter 13 bankruptcy the right choice?

Though many consumers in Florida and all around the country have recently seen some positive changes in the economy, there are families that are still struggling to make ends meet. Some may have experienced a job loss, while others may face a mountain of unpaid bills. While certainly not the first solution, some residents realize that filing for Chapter 7 or Chapter 13 bankruptcy may help them more quickly recover financially.

Get a mortgage after filing for Chapter 13 bankruptcy

Many Florida residents and others around the country have experienced financial hardships during the recent economic climate. Some consumers have elected to file for Chapter 13 bankruptcy in efforts to get their finances back under control. Many assume that someone filing for bankruptcy under Chapter 13 cannot buy a home. However, this assumption is being proved wrong more often today.

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Paul Urich
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Law Office of Paul L. Urich, P.A.
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Orlando, FL 32803
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