Chapter 13 Bankruptcy


Home Mortgage Crisis Results in Florida Bankruptcies

When you owe more on your home that it is worth, it can cause serious problems. If you lost your job during an economic downturn, it doesn't take long to build up credit card debt that can be overwhelming. Even if you find a new job, it can be difficult to recover financially.

If you have a house, multiple cars or trucks, and other property, a chapter 13 bankruptcy can allow you to keep more of your property while repaying your debts at a significantly reduced rate over time.

Camy B. Schwam-Wilcox is an Orlando chapter 13 bankruptcy lawyer who can help you save your assets while making payments over time.

"I help my clients avoid financial chaos, and reach a solution that is right for them." Attorney Camy B. Schwam-Wilcox

Benefits of Chapter 13 Bankruptcy

A chapter 7 bankruptcy is often called a liquidation bankruptcy. A chapter 13 bankruptcy is often called a reorganization payment plan. An experienced Florida repayment plan attorney, such as Camy B. Schwam-Wilcox, can work with you to find debt relief and keep the assets and property that you care about. A chapter 13 bankruptcy will accomplish the following:

  • Stop creditor harassment, wage garnishment and home foreclosure actions immediately upon filing
  • Stops property or auto repossessions
  • Puts a repayment plan in place that is administered by a trustee (you pay the trustee and the trustee pays the creditors)
  • Enables your attorney to negotiate lower interest rates or payment amounts — often pennies on the dollar
  • Enables your attorney to negotiate with the IRS for a workable payment plan for back taxes owed
  • Reduces stress

Filing a chapter 13 bankruptcy is your opportunity to save your assets and reduce your debt.

Prompt and Personal Service

Camy B. Schwam-Wilcox is an Orlando chapter 13 bankruptcy attorney who understands that if you are facing overwhelming debt, it may seem as though the walls are caving in and there is no way out of your situation. We offer a non-judgmental helping hand. When you come to our law firm you will find:

  • An attorney who meets personally with every client
  • A law firm that provides financial specialists when needed
  • A non-judgmental approach
  • Evening hours available for phone calls or late night filings to stop home foreclosures
  • Step by step guidance about the process and what to expect

Straight Talk and Strong Advocacy for Every Client

If you are in need of a Seminole County DWI attorney, a bankruptcy lawyer, or a family law firm experienced with collaborative divorce, please contact us for a consultation (criminal and personal bankruptcy consultations are complimentary). Call 407-982-2714 or 888-337-5886, or send us an e-mail. We can help you through your difficult time.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.