Caroline Secor PA

Chapter 13 Bankruptcy Largo

Chapter 13 bankruptcy is often referred to as debt reorganization or "wage earner" plans because is sets in place protocols that allow individuals whose debt is outpacing their financial obligations a way to get caught up. Under the chapter 13 bankruptcy protection, the court will look at your income, reasonable living expenses, and total debt and set up an extended debt repayment plan. Chapter 13 bankruptcy repayments plans can go for up to 5 years and will reduce your repayment interest rate with no creditor penalties. With a chapter 13 bankruptcy, repayment plan you may even include money owed to the IRS for old tax bills to be paid off at a lower interest rate. Even more importantly, if your total debt exceeds what you can afford to pay in 5 years, the rest of your debt is eliminated.

Stop Foreclosure today by filing for Chapter 13 Bankruptcy Protection

Chapter 13 bankruptcy is a legal tool that few truly understand. For example, a chapter 13 bankruptcy protection filing offers you the best chance to stop foreclosure, wage garnishment and repossession. If you took out a second mortgage on your home and now find yourself "upside down" because home values have dropped, you may be able to repay or eliminate your second mortgage through chapter 13 with minimum or no consequences to your credit score.

That said, chapter 13 is not for everyone, and this is something we analyze during our free consultation. For many individuals and families, filing for chapter 13-bankruptcy protection can provide a practical way to pay off their debts and keep their homes while they get back on track. Call us today for a free consultation with an experience chapter 13 bankruptcy attorney in Largo.

Carolyn Secor


The federal government passed new bankruptcy reform legislation in October 2005. However, don't be discouraged! Most studies indicate that the new law affects less than 15% of individuals who could have filed previously. If you are feeling overwhelmed by your debts and considering filing bankruptcy, it is highly probable that you fall into the category of the 85 percent of people who are still eligible to file.




"Serving Pinellas, Pasco, and Hillsborough Counties."

Carolyn Secor, Attorney at Law
Bankruptcy Attorney Tampa Bay Florida
Florida Law Firm with Offices in
Clearwater (Main Office) Tampa St. Petersburg Port Richey
Phone:  1-727-254-1704

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

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