Chapter 7 and 13 Bankruptcy

Kendall (South Miami-Dade ) and Aventura (North Miami-Dade) 

(305) 891-4055 

Free Initial Consultation 

Miami Bankruptcy Attorney Jordan E. Bublick has been a practicing chapter 7 and 13 bankruptcy lawyer for over 25 years in the Miami area.  cropped cropped AIbEiAIAAABECI PuaL62ofYgwEiC3ZjYXJkX3Bob3RvKigwZTI0MWRhNjJlYTFkMjkxZDg5Yjg3ZGFlNTRlZDczNjc5NDRjZGMxMAGCM47dJjHCkbg33zFLVGMmYBnqXQ21 Chapter 7  and 13 Bankruptcy With the complexity of today’s world,  even the “simplest” of bankruptcy cases can present a broad range of issues that need to be reviewed properly by an experienced bankruptcy lawyer.  A case may present a wide variety of issues such as valuation and title of real estate,  “lien stripping of mortgages,” exempt property, income, expenses,  “means test,” dischargeability of debt, and taxation that require a bankruptcy attorney to have knowledge in a broad range of fields in addition to bankruptcy law.

Chapter 13 Bankruptcy

Chapter 13  gives a person the opportunity to work with their bankruptcy lawyer to formulate a chapter 13 plan to reorganize their debt, including mortgages, association liens, property taxes, income taxes, and credit card debt under a 3 to 5 year chapter 13 plan of reorganization. Chapter 13 is also used by those for whom chapter 7 is not appropriate, usually those with a significant amount of non-exempt property or those who do not “pass” the chapter 7 “means test.”

Chapter 7 Bankruptcy

Chapter 7 is usually used by individuals with little non-exempt property and lower incomes. But sometime persons who qualify for chapter 7 need to file a chapter 13 case as it offers the person that has needs that chapter 7 cannot provide – such as the need to modify their mortgage or car loan and to provide for payoff of IRS debt over time.

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