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Chapter 13

Steady Income but Unmanageable Debt? Chapter 13 may be the Answer.

Almost anyone can run into debt problems in an economy that has been so consistently adverse and volatile. For some people with substantial income and those who face the threat or reality of home foreclosure in Florida, a Chapter 13 bankruptcy filing is the best solution. If you have regular, dependable income but obligations you know you cannot meet long term, a consultation with one of our Boca Raton Chapter 13 lawyers may be the answer.

At The Law Offices of Elkins & Elkins, our Orlando-area Chapter 13 bankruptcy attorneys are committed to finding the best available debt relief solution for each client we serve. That includes carefully assessing your overall financial situation and finding an answer even if you do not qualify to file Chapter 7 "debt liquidation" bankruptcy after completing the bankruptcy means test.

Reasons to Choose Chapter 13

Chapter 13 bankruptcy involves creating a plan to pay creditors over a three- to five-year period. That plan must be approved by a federal court administrator called a bankruptcy trustee. However, it is important to recognize that you may be able to discharge or significantly reduce certain debts as part of this plan. Reasons you may decide to file Chapter 13 bankruptcy include the following:

  • Your income and assets prohibit you from filing Chapter 7 bankruptcy.
  • Your goals including protecting specific assets, such as your family home or other real estate, would be forfeited and sacrificed if you filed Chapter 7.
  • You need time to pay business tax obligations, child support, alimony or other obligations that cannot be discharged through bankruptcy.
  • You have filed a previous Chapter 7 bankruptcy discharge within the past eight years.

Get the Facts About Chapter 13 Bankruptcy, Contact Us Today

If you are considering Chapter 13 bankruptcy, it is critical to speak with a lawyer who will spell out your obligations clearly and protect your best interests. We offer appointments for a free consultation in the evening or on weekends when necessary. Please get in touch with us today to assess your legal rights and obligations.

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.

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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