Understanding Chapter 13 Bankruptcy in Florida

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.

Seek Expert Guidance for Your Debt Relief Journey with Camy B. Schwam-Wilcox, Florida Attorney.

A chapter 13 bankruptcy will accomplish the following:

Stop creditor harassment, wage garnishment and home foreclosure actions immediately upon filing
Stop 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

If you are in need of a bankruptcy attorney in Orange, Osceola, Seminole, Lake or other counties throughout Florida call Schwam-Wilcox & Associates at 407-245-7700, or Contact Us by completing the form below to schedule a consultation. Schwam-Wilcox & Associates is a firm you can trust, and our attorneys are ready to help you with your legal needs. The main office is conveniently located near Winter Park in Orlando, with satellite offices in The Villages.

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

Filing bankruptcy is your opportunity to start over

When you're going through your worst, we are at our Best

Client reviews

This firm is proficient and timely with their communication and incredibly organized. I will forever be thankful that we retained Camy to represent our family. She and her team were instrumental in our successful outcome.

I cannot begin to express all my gratitude for Camy and her team. I had a very long and difficult divorce and custody process. She represented my children as the Guardian Ad Litem and always kept the best interest of my children.

I wish I would've gone to her earlier. She is matter of fact, has a good business mind, is concise in communication and savvy about the law and legal process. Her support staff is also quite competent in supporting her and was great at taking care of the other details that go along with filing and scheduling, etc.

Very responsive and courteous, but more importantly, Camy was well experienced, knowledgeable and candid with her guidance and expectations in the "real" legal world. Her entire staff communicated with me in a timely and respectful manner as well as Camy herself and I'd definitely employ this firm again for any critical legal matter in the future.

Camy was the absolute right choice in helping up win our tough case. She is responsive, extremely knowledgeable and a true fighter which is exactly what we needed. Her entire staff was very friendly and made you feel like family. If you want your best chance for positive results choose Camy and her team.

(407) 245-7700

705 Douglas Ave
Altamonte Springs, FL 32714

While this website provides general information, it does not constitute legal advice. The best way to get guidance on your specific legal issue is to contact a lawyer.

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