chapter 13 bankruptcy attorneyAn experienced West Palm Beach bankruptcy law firm, The attorneys at ROY & ASSOCIATES, P.A. can assist you with Chapter 13 bankruptcy proceedings.

Bankruptcy can be complex and navigating through one is easier with experienced legal counsel. This is why you need competent legal advice to safeguard your rights and see you through the bankruptcy. Many people make the mistake of trying to negotiate with lenders on their own.

We have experience assisting Floridians through their debt issues and the process of bankruptcy. We understand that this may be a tough time for you and we present an honest picture of how and what a Chapter 13 bankruptcy can and cannot do for you.

Chapter 13 bankruptcy is a unique situation and requires skill, knowledge and tactful handling of the situation. But above all, it requires the person going through the process to be straightforward about their financial assets and obligations. The first thing to understand about a Chapter 13 bankruptcy is how it works and the legal process that you have to go through. We make sure that you are well aware of your rights and that you receive the best possible legal care throughout the process.

A Chapter 13 bankruptcy means that you have agreed to a debt repayment plan that is carefully developed to take a few factors into consideration. The most important of these factors are the amount you owe to your creditors and the assets you currently possess. Once you have a repayment plan “confirmed” and you complete the entire payment plan, the remainder of your debts are “discharged” by operation of federal bankruptcy law.

If you are considering bankruptcy as your way out of debt woes, the first thing you must so is to consult us. We will examine the documents and will advise you whether you qualify for Chapter 13.