Chapter 7 and 13 Bankruptcy

Miami – Kendall – Aventura   (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 experience bankruptcy lawyer.  A bankruptcy case may present issues such as valuation, exemptions, budget, “means test”  and “lien stripping” of mortgages.

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. Also, chapter 13 is 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 the have needs that chapter 7 cannot provide – such as the need to modify their their mortgage or can loan or payoff IRS debt over time.

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