Understanding Chapter 13 Bankruptcy
Chapter 13 bankruptcy helps you eliminate a mountain of debt, reduce stress and build a fresh financial future.
Are you a Florida resident who is deeply in debt and facing collection efforts? Chapter 13 bankruptcy, or debt adjustment bankruptcy, is a responsible and proactive way to satisfy the demands of your creditors and finally make progress on resolving your debt.
This type of bankruptcy considers your income, your expenses and what you can reasonably afford to pay each month. You must prove that you qualify for Chapter 13 bankruptcy, and the court will look at the amount of your income, what types of assets and property you may own, and the amount of disposable income you have.
In Chapter 13 bankruptcy, your Tampa Bay bankruptcy attorney helps you negotiate lower payoff amounts with your creditors, eliminate some debts entirely and make a plan to satisfy your debts over a period of three to five years. Many types of debt, like medical bills and credit card bills, can often be cleared completely by Chapter 13 bankruptcy.
One of the biggest benefits of Chapter 13 bankruptcy is that it can halt a home foreclosure, car repossession or other pending actions against you, although it depends on your exact circumstances.
Filing for Chapter 13 bankruptcy can stop the collection efforts of your creditors who feel free to contact you at all hours, disrupting your life with calls, letters, emails and text messages, which can be a huge relief.
Here in Tampa Bay, Kemp, Ruge & Green is the legal partner you can trust to handle your Chapter 13 bankruptcy. We are dedicated to treating every client with care and respect, and we are fully qualified to help you seek a Florida bankruptcy.
You Deserve a Great Team
Here’s what our clients are saying about us:
“Extraordinary service! This was my first time using a law firm. I had no idea what to expect. The first meeting set me at ease and I was kept informed on all aspects of the case as it progressed. What a great team to have on your side when you need legal advice and someone to fight for you. Thank you all at Kemp, Ruge and Green for the care and interest you’ve shown me.”
“I can’t say enough about this law firm. I was referred by a relative and very glad they did. Between Stacy Kemp and the paralegal Sommer, I felt more than adequately represented. Very fast, efficient and Sommer was always in contact.”
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You Deserve Answers
Many people first consider bankruptcy when they are facing an overwhelming number of bills and can’t possibly pay the amount due each month. If you’re in this situation, you may feel stressed out, frustrated and even hopeless about ever getting out of debt.
Do you have big medical bills or a large amount of credit card debt due to medical issues? You’re not alone. Two-thirds of U.S. bankruptcies are tied to medical debt, which is the number one cause of overwhelming personal debt. However, medical bills and credit card past due amounts can be resolved with a Chapter 13 bankruptcy.
Chapter 13 can also help you catch up on car payments, re-establish a positive payment history with lenders, keep your house and protect your assets through the use of exemptions. If you have questions about what types of debt Chapter 13 bankruptcy will eliminate and how it will affect your life, we can help.
Keep Kemp, Ruge & Green close by your side during the bankruptcy process. We’ll support you every step of the way and ensure you have the brightest possible outcome.
You Deserve Results
Perhaps you are worried about losing your home or disrupting your family’s life. If you have concerns like these, talk to Kemp, Ruge & Green about using Chapter 13 bankruptcy to protect your home and personal assets so you can handle this matter as smoothly as possible.
Chapter 13 bankruptcy can often stop foreclosure and prevent the bank from taking your home. You can catch up on past due mortgage payments and rebuild your reputation with creditors. Your Tampa Bay bankruptcy attorney will help you negotiate a plan you can afford and help set you up for success.
Learn more about bankruptcy from Kemp, Ruge & Green
You Deserve Kemp, Ruge & Green – Qualified Bankruptcy Attorneys
You deserve a bright financial future without the burden of debt. We are the Tampa Bay Chapter 13 bankruptcy lawyers who help people shed their debt and get back on track with their finances.
Reach out to the Kemp, Ruge & Green Law Group to learn more about the bankruptcy process and how it can benefit you and your family. We can help you navigate the complex bankruptcy system and ensure the end result is as beneficial as possible.
We serve Tamp Bay residents from our offices in Pasco, Clearwater, Hernando, Westshore, Tampa and Carrolwood. As our client, you will benefit from our personal dedication to helping people eliminate debt and stabilize their finances through bankruptcy.
To us, you are more than just someone filing for bankruptcy. You are a person who is making a responsible choice that will improve your financial future.
We’re here for you. Call us, text us and reach out to us today to discuss your bankruptcy options.
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