Tampa Chapter 13 Attorney
Debt Relief in Three to Five Years
When you need a Chapter 13 bankruptcy lawyer in Tampa, Sandra L. Hibsch offers unique insight gained from her experience as a Staff Attorney for the Chapter 13 Bankruptcy Trustee and more than 20 years of experience exclusively handling bankruptcy cases. She uses her hands-on experience and expansive knowledge of bankruptcy law to help clients navigate even the most complicated financial struggles.
Wondering if Chapter 13 is right for you? Call (813) 328-5554 to schedule a free consultation.
What is Chapter 13 Bankruptcy in Pennsylvania?
When you file for Chapter 13 bankruptcy, you will propose a 3-5 year repayment plan for all or part of your debts to creditors. The process allows you to consolidate and even discharge some debts. If you qualify for Chapter 13, we can complete the appropriate paperwork and guide you through the process.
Some of the advantages of Chapter 13 include:
- Immediate debt relief
- Stop the threat of foreclosure
- Stop wage garnishment
- Time to catch up on mortgage payments, property taxes, or HOA fees
- No penalties or interest on most IRS debts
- Discharge secondary loans, if the house is underwater
- Discharge remaining debt after completion of the repayment plan
- Manage student loans
The Chapter 13 process can be completed in three to five years. At the end of the repayment plan, your debts will be behind you. Rather than make minimum payments on debt for decades, you can eliminate financial stress and move forward without crushing debt.
The Best Debt Relief Solution for Each Client
Our attorney can evaluate your financial situation to determine if you are eligible for Chapter 13 or Chapter 7 bankruptcy. When Chapter 13 is the best option, interest rates are often lowered, and some debts may be eliminated. Because each situation is unique, it is best to schedule a free consultation to get advice for your unique circumstances.