The foreclosure notice arrived. Your car’s about to be repossessed. You’re behind on everything, but you have a steady income and want to keep what you’ve worked for. You don’t want to lose your home – you just need breathing room.
Chapter 13 bankruptcy is your financial lifeline. It stops foreclosure immediately, prevents repossession, and gives you 3-5 years to catch up on payments while paying unsecured creditors pennies on the dollar.
At Gort Law, we’ve saved hundreds of Jupiter homes from foreclosure and helped families keep their cars, dignity, and future through Chapter 13 reorganization.
Save your home today. Call (561) 900-0478 for your free Chapter 13 consultation.
Chapter 13 is reorganization bankruptcy. Instead of wiping out debt like Chapter 7, you get a court-approved payment plan that lets you catch up on house and car payments while paying credit cards and other unsecured debts for just a fraction of what you owe.
Chapter 13 is perfect when you:
– Want to keep your home but are behind on payments
– Have a car loan you need to keep current
– Make too much money to qualify for Chapter 7
– Owe recent taxes that can’t be eliminated
– Want to pay back some debt but need better terms
Stop Foreclosure Instantly
The moment we file Chapter 13, foreclosure stops dead in its tracks. Even if the foreclosure sale is scheduled for tomorrow, filing bankruptcy stops it immediately.
Catch Up on Mortgage Payments
Your mortgage arrears get spread over 3-5 years. Instead of paying $15,000 in back payments all at once, you might pay $300 extra per month.
Keep Your Car
Behind on car payments? Chapter 13 stops repossession and lets you catch up over time. Sometimes we can even reduce your car payment or interest rate.
Reduce Unsecured Debt
Credit cards, medical bills, and personal loans often get paid at 10-30 cents on the dollar. A $50,000 credit card debt might become a $15,000 payment over 5 years.
Lower Monthly Payments
Your total monthly debt payments usually drop significantly. More money stays in your pocket for living expenses.
Fixed Interest Rates
Credit card rates of 25-30% become 0% in your Chapter 13 plan. Car loans often get reduced to current market rates.
No More Collection Calls
Once we file, all harassment stops. Creditors deal with us and the bankruptcy court, not you.
Structured Payoff Date
You know exactly when you’ll be debt-free – usually 3-5 years. No more endless minimum payments that never reduce the balance.
Income Requirements
You need regular income to fund a payment plan. This includes:
– Employment wages
– Social Security benefits
– Disability payments
– Self-employment income
– Rental income
– Pension payments
Debt Limits
Chapter 13 has debt limits that most people easily meet:
– Unsecured debts under $419,275
– Secured debts under $1,257,850
You’re a Good Candidate If:
– You’re behind on house or car payments but want to keep them
– You make too much money for Chapter 7
– You have recent tax debt
– You want to pay back some debt but need better terms
– You have valuable non-exempt assets you want to protect
We’ve Saved Hundreds of Homes
Foreclosure defense is our specialty. We know exactly how to structure Chapter 13 plans that work and get approved by trustees.
We Maximize Your Payment Reductions
Every dollar matters in your payment plan. We use every legal strategy to minimize what you pay to unsecured creditors.
We Know Chapter 13 Trustees
Palm Beach County trustees have preferences and requirements. We know exactly what they want to see in a successful plan.
We Handle Plan Modifications
Life changes during a 5-year plan. Lost job? Medical emergency? We modify your plan to keep you protected and compliant.
Choose Chapter 13 If:
– You’re behind on house or car payments and want to keep them
– You make too much money for Chapter 7
– You have recent tax debt or non-dischargeable debts
– You have valuable assets you want to protect
– You want to pay back some debt on better terms
Choose Chapter 7 If:
– You want debts eliminated completely and quickly
– You’re current on house and car payments
– You qualify based on income and means test
– You don’t have significant non-exempt assets
– You want the fastest fresh start possible
We analyze your situation and recommend the best option for your specific circumstances.
Month 1: Immediate Protection
We file your case and all collection activity stops. Foreclosure halts. Garnishments end. You get breathing room immediately.
Months 1-2: Plan Confirmation
We present your payment plan to the court and creditors. Once approved, you start making payments to the trustee instead of individual creditors.
Years 1-5: Making Payments
You make one monthly payment to the Chapter 13 trustee, who distributes it according to your court-approved plan.
After 3-5 Years: Fresh Start
You complete your plan and receive a discharge. Remaining unsecured debt disappears forever. You’re debt-free and can rebuild.
How much will my monthly payment be?
It depends on your income, expenses, and what you’re behind on. Most clients pay less total than they were paying to creditors before filing.
Can I sell my house during Chapter 13?
Yes, with court approval. Any profit goes to pay off your plan early, and you get your fresh start sooner.
What if I can’t make my plan payments?
We can modify your plan if circumstances change, or convert to Chapter 7 if needed. You’re not trapped.
Will Chapter 13 affect my job?
Most employers never know you filed bankruptcy. Some government and financial jobs require disclosure, but termination for bankruptcy filing is illegal.
Can I get credit during Chapter 13?
For necessities like cars, yes with court approval. Most clients get credit card offers before their plan is even complete.
Foreclosure Next Week
We can file Chapter 13 the same day to stop foreclosure, even if the sale is scheduled for tomorrow.
Car Repossession Threatened
Chapter 13 stops repo attempts immediately and lets you catch up on payments over time.
Wage Garnishment Active
Filing stops garnishment instantly. You get your full paycheck back while paying the debt through your plan.
Tax Levy or Seizure
Chapter 13 stops IRS and state tax collection actions and gives you time to pay taxes without penalties and interest.
Every day you delay Chapter 13 costs you:
– More foreclosure fees and costs
– Additional late charges and penalties
– Continued wage garnishment
– More stress and sleepless nights
– Risk of losing your home permanently
Don’t wait for a miracle – create one. Call (561) 900-0478 now.
Your Free Chapter 13 Consultation Includes
✓ Complete analysis of your mortgage arrears and secured debts
✓ Calculation of your potential Chapter 13 payment
✓ Immediate steps to stop foreclosure or repossession
✓ Asset protection planning
✓ Comparison of Chapter 13 vs. other options
✓ Timeline to get your plan confirmed
Same-day appointments available for emergencies
We help families save their homes through Chapter 13 bankruptcy throughout Palm Beach County, including Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boca Raton, and surrounding communities.
Gort Law Office
123 Main Street
Jupiter, FL 33458
Chapter 13 Emergency Line: (561) 900-0478
Your Home Is Worth Fighting For
You’ve worked years to build equity in your home. Your kids have grown up there. Your memories are in those walls. Don’t let a temporary financial setback steal your permanent home.
Chapter 13 bankruptcy gives you the power to fight back and keep what’s yours.
Your home. Your car. Your fresh start.
Call Gort Law: (561) 900-0478
Jupiter’s Chapter 13 bankruptcy attorney – saving homes and rebuilding lives one family at a time.
If you are considering filing for bankruptcy or need an attorney to represent you in a civil, real estate, business, or construction deficit lawsuit in the Jupiter, Florida area, contact us at Gort Law P.A..
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