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Chapter 13 Process

You Don't Have to be Destitute to File for Bankruptcy

If your income happens to be too high for Chapter 7 under the bankruptcy means test, you can get debt relief and protect specific assets by filing Chapter 13 bankruptcy. This variation of the bankruptcy process takes longer, but still creates an end result that frees you from crushing debt.

At The Law Offices of Elkins & Elkins, with lawyers serving clients in Orlando and throughout Central Florida, we will put our experience completing more than 15,000 prior bankruptcy filings to work and find the best available solution for you.

How Does Chapter 13 Work?

In Florida, the Chapter 13 process:

  • Involves establishing a plan to pay a set amount against their debts monthly to a trustee over a three- to five-year period
  • Has the primary goal of saving your home from foreclosure
  • Takes into account problems with debts that cannot be discharged through bankruptcy, such as unpaid taxes, family support obligations and delinquent student loans

By addressing these and other related factors, Chapter 13 bankruptcy allows for significant relief from unsecured debts even though you earn an income too high to allow you to file Chapter 7 bankruptcy.

Let Us Help You Catch Up Financially, Call Today

If you think you may need help filing Chapter 13 bankruptcy in Orlando or elsewhere in Central Florida, our debt repayment plan attorneys can help you create a plan that allows you time to catch up. This process begins with a free consultation at a time and location that works for you. We offer evening and weekend appointments, and we take pride in our responsiveness as well as what we are able to accomplish for our valued clients.

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


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The Elkins & Freedman law firm was effective, responsive, and knowledgeable to me during my dire family law situation. Before hiring Mr. Elkins, my ex-girlfriend/mother of my child was not letting me see my child. After hiring Mr. Elkins, I got my child at least half the time. I was most impressed with Mr. Elkins ability and willingness to directly level with my ex-girlfriend/mother of my child, whom initially was uncooperative and not represented. I sincerely felt that Mr. Elkins was my advocate and he got the job done. I highly recommend Mr. Elkins and the Elkins & Freedman law firm to anyone who needs legal representation.

Kendall G.

We Can Help You

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1420 Celebration Blvd. Suite 200
Celebration, FL 34747
Phone: 407-830-1177


7380 W. Sand Lake Rd. Suite 500
Orlando, FL 32819
Phone: 407-830-1177

Altamonte Springs

283 Cranes Roost Blvd. Suite 111
Altamonte Springs, FL 32701
Phone: 407-830-1177