Chapter 13 Bankruptcy

Law Office of John Bristol

1776 N. Pine Island Road, #224,

Plantation, Florida 33322

(954) 475-2265

Better Business Bureau Bankruptcy

Since 1988, the Fort Lauderdale Bankruptcy Attorney Center of John Bristol has filed more than 5,000 consumer Chapter 7 and Chapter 13 Bankruptcy Cases in the Fort Lauderdale area (the Southern District of Florida). Because of his experience in the Fort Lauderdale Federal Courthouse; John concentrates his Bankruptcy law practice only in Broward County. We offer PAYMENT PLANS and give FREE CONSULTATIONS (954) 475-2265

Short Videos That Help Explain Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy is often called the wage earner bankruptcy.  In legal terms the Chapter 13 Bankruptcy is called a "reorganization" bankruptcy.   This means that you are expected to "try to re-pay some of your debts (reorganize).   In a Chapter 13 case, you are expected to propose a plan of reorganization to pay all or a portion of your debt.  There are several reasons to file a Chapter 13 Bankruptcy case:  (1) You do not qualify for a Chapter 7 case because your earn wages and your income is too high.  If you earn more money that the average person, you are required to pay a portion of your debts.  If you earn more than $43,136.00, you should pay some of your debt.  (2) You have property you wish to protect.  In a chapter 7 bankruptcy, a Trustee is appointed to take your property.  If you have property you wish to protect, you chose the chapter 13 case. 

 John Explains A Chapter 13 Bankruptcy

In a Chapter 13 case, you can keep your property, but you must earn wages or have some other source of regular income.  You must agree to pay part of your income to your creditors.  The court must approve your repayment plan and your budget.  A trustee is appointed and will collect the payments from you to pay your creditors.   A particular advantage of chapter 13 is that it provides individual debtors with an opportunity to save their homes from foreclosure by allowing them to “catch up” past due payments through a payment plan. Moreover, the court may dismiss a chapter 7 case filed by an individual whose debts are primarily consumer rather than business debts if the court finds that the granting of relief would be an abuse of chapter 7. 11 U.S.C. § 707(b).

Law Office of John Bristol

1776 N. Pine Island Road, #224 Plantation, Florida

(954) 475-2265


Coral Springs, Dania, Davie, Deerfield Beach, Fort Lauderdale, Hallandale, Hollywood, Lauderhill, Margate, Miramar, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac

A Chapter 13 bankruptcy usually takes three to five years to complete.  Upon completion of the plan you will receive a discharge of your debt.  During this time, the Chapter 13 bankruptcy trustee performs many duties.  These duties include making sure your repayment plan complies with bankruptcy laws and administering the plan after it is approved by the Court.

When you file for Chapter 13 bankruptcy, you must file a set of bankruptcy documents called a Bankruptcy Petition.  The petition is filed with the court and describes your income, monthly expenses, assets, and debts.  Based on your income and expenses, you must also propose a payment plan to repay all or some of your creditors.  After your file your bankruptcy papers, you must also send the Chapter 13 trustee certain documents such as tax returns and pay stubs.

The Law Office of John Bristol, 1776 N. Pine Island Road, #224, Plantation, Florida 33322 is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Disclosure: The hiring of a lawyer is an important decision that should not be based solely on advertising. Before you decide please ask us for information concerning out qualifications and experience
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