Skip to Content Top
Bilu Law Chapter 13

Chapter 13 Bankruptcy Attorneys in South Florida

We're Helping Clients from Offices in Pompano Beach & Miami

A Chapter 13 Bankruptcy is an individual re-organization process created for individuals and married couples that have regular income and are within a certain range of debt. It permits the debtor to reorganize his debt and create a more manageable payment plan to repay a portion of the unsecured debt while potentially paying to maintain a home, car or other asset through a document called a Chapter 13 Plan.

Not everyone is a fit for Chapter 13, and it is important that you speak to an experienced bankruptcy practitioner about filing a Chapter 13 prior to moving forward. The professionals at Bilu Law are here to guide you through this process to help you get the fresh start that you deserve.

Bilu Law

Why Choose Bilu Law?

  • Decades of Proficiency
    With two decades of dedicated service, we've assisted countless clients with their legal needs, covering 67 counties in Florida.
  • Swift and Accessible
    Offering seasoned legal guidance, our attorneys respond promptly and are easily accessible when you require their expertise.
  • Hablamos Español
    Our proficient team, including Spanish speakers, ensures that you fully comprehend the intricacies of your case.
  • Global Legal Expertise
    We are proud members of an international law firm network, enabling us to provide assistance to clients nationally and worldwide.

What Are The Benefits of Chapter 13?

Chapter 13 bankruptcy comes with a range of benefits that make it a powerful solution for individuals facing financial challenges. Here's how it can help:

  • Foreclosure Protection: Worried about losing your home? Chapter 13 can stop foreclosure proceedings and provide a structured way to catch up on past-due mortgage payments.
  • Debt Reorganization: With Chapter 13, you can reorganize certain secured debts, making repayment more manageable over 3 to 5 years.
  • Special Third-Party Protection: If others share liability with you for "consumer debts," Chapter 13 safeguards their interests as well.
  • Streamlined Payments: A dedicated Chapter 13 trustee manages and distributes your payments to creditors, eliminating the need for direct communication with them.

Chapter 13 is designed to reduce stress, simplify processes, and offer a clear path to financial stability.

  • What should I do if I'm considering filing for bankruptcy protection?
    If you are considering filing for bankruptcy protection it is important to speak with an experienced attorney who can review your unique situation and provide legal advice so that you can move forward and find financial freedom.
  • Does filing for bankruptcy mean my business will close?
    Not necessarily. Depending on the chapter of bankruptcy that is filed, a business may be able to continue operations while reorganizing their debts in a payment plan.
Our Testimonials

Hear From Our Happy Clients

  • ""His dedication to getting his clients the best outcome is relentless.""
    "I am so honored to leave Ron and his team this great review. I called all over Florida to find a lawyer that would help me with my real estate property issue and no one would even listen to me they just told me, we can not help you. When I first called Bilu Law, I felt they cared about their clients. Johanna scheduled a meeting with Ron right away, and when I spoke to Ron, he was the best because he took the time to listen to my situation and asked all the right questions. The best question he asked was what would I consider a good outcome and after telling him, he made that his North Star. After a few more meetings to understand my situation better, he told me how much it would cost me to have him try to resolve this issue with the best outcome and it was very reasonable. Among his profession, I would consider Ron to be among the best. His dedication to getting his clients the best outcome is relentless. I will refer him to all my friends and family and consider him a dear friend."
    - Carlos
  • ""Ron Bilu and his associates were willing to fight for me when other firms all wanted to throw in the towel.""
    "Ron Bilu and his associates were willing to fight for me when other firms all wanted to throw in the towel. Ron’s professionalism and dedication ended with the best outcome I could ask for. I highly recommend Ron and his firm, especially Attorney Andrea Valencia who went above and beyond for me, a true asset to the firm. Many thanks to all."
    - Emporio
  • ""I highly recommend this office to deliver and satisfactorily settle your legal matters.""
    "Bilu Law firm has advised and completed the paperwork on creating a Trust and I am satisfied with how thorough and professional Andrea and Annabella were in executing the task. Today, I'd like to thank the team of Nicholas and Andrea for accepting another case and delivering as promised, in a relatively short period of time and again, a satisfactory outcome. I want to especially thank Andrea for the knowledgeable and professional representation she exhibited as she guided me through the process. In addition, I express my appreciation for other members of your staff. ALL calls were passed on and one could consistently expect a quick response. There is a warmth from the front door, by staff to the discussion of business at hand. Wait time was never more than 3-5 minutes at each office visit. The advent of Covid- 19 and the societal interruptions it created, did nothing to deter the level of service offered by this firm. I highly recommend this office to deliver and satisfactorily settle your legal matters."
    - Aldith
  • ""Choosing this law firm was the best decision I have ever made.""
    "I had the pleasure of working with Ron Bilu and his assistant Andrea. Choosing this law firm was the best decision I have ever made. Both Ron and Andrea were with me every step of the way and were very kind, helpful, and knowledgeable. In the end i was very pleased with the results and would recommend his services to anyone in need of a great real estate attorney. Thankyou so much Ron!"
    - Doris
  • ""They are professional, aggressive and the keep us informed of progress of our cases.""
    "Our firm has engaged Ron Bilu and Nick Rossoletti and their amazing team of effective legal professionals for a variety of litigation matters and they are professional, aggressive and the keep us informed of progress of our cases. Their experience and knowledge of the law combined with a results oriented approach has helped our bottom line."
    - Jeffrey
    "ABSOLUTELY AMAZINGGGGGG!!!!!!!!! Ron Bilu and Andrea Valencia helped me beyond what I expected! They listen carefully to you and will fight for you till the wheels fall off! My outcome was beyond what I had imagined and it is all thanks to them backing me up and doing what they do best! I cannot express into words how much I strongly recommend this law firm to anyone who is facing the issues I had! Like I said, absolutely amazinggggg at what they do!!!!!"
    - Marlin

Qualifying for Chapter 13 Bankruptcy: What You Need to Know

Chapter 13 bankruptcy offers a distinct avenue for gradually repaying a portion of your debts over a predetermined timeframe. However, eligibility isn't a blanket provision for everyone facing debt challenges. Before embarking on Chapter 13, meeting specific criteria is crucial to obtaining court approval for your repayment plan.

Essential requirements for filing Chapter 13:

  • Individual Status: Chapter 13 is designed for individuals and married couples rather than businesses. However, if you operate as a sole proprietor, your business's financial aspects may be integrated into the process.
  • Tax Compliance: Staying current with your tax filings is imperative. Falling behind on tax obligations could impact your eligibility.
  • Manageable Debt: The ceiling for debt fluctuates periodically. It's advisable to consult a knowledgeable Chapter 13 attorney to confirm your eligibility. As of 2023, the combined total of secured and unsecured debts should not exceed $2,750,000 to qualify for Chapter 13.
  • Steady Income: Demonstrating sufficient income to meet the required monthly payment is essential.

Speak With a Qualified Chapter 13 Lawyer at Bilu Law

Obtaining freedom from debt and a fresh start requires a comprehensive understanding of bankruptcy law. With the help of a Pompano Beach Chapter lawyer at Bilu Law, we can ensure a smoother path for you! With extensive experience in handling Chapter 13 cases, our team is dedicated to securing your financial well-being and stability. Contact us for a personalized consultation and take the first step toward reclaiming your financial freedom now!

Get a free consultation with an adept Pompano Beach Chapter 13 Attorney at Bilu Law! Contact us online or call (954) 239-7386.

Continue Reading Read Less
Bilu Law

Contact Bilu Law Today!

Want to discuss your legal concerns? Contact us, and let's see how we can help.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy