Chapter 13 Bankruptcy Means You Need a Payment Plan


Do You Need A Payment Plan to Pay Your Mortgage?

Do You Need A Payment Plan To Keep Your Car?

Do You Need A Payment Plan to Pay Your Attorney Fees?


You May Be Able To File Bankruptcy With No Money Down

You May Be Able To Work Out a Payment Plan for Attorney Fees

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Bankruptcy Lawyer - Plantation, Florida

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John Bristol is a bankruptcy lawyer who began his career in 1988. For the past 30 years, John has filed more than 5,000 consumer Chapter 7 and Chapter 13 Bankruptcy cases in the Southern District of Florida. The Southern District of Florida includes Dade, Broward and Palm Beach counties. However, because John's bankruptcy office is in Plantation, John limits his law practice in Broward County. If you live in Broward County, you qualify to file bankruptcy with our office. We offer PAYMENT PLANS and always provide FREE CONSULTATIONS (954) 475-2265

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Short YOU TUBE Videos That Help Explain Chapter 13 Bankruptcy


Chapter 13 Bankruptcy Law Office of John Bristol

1776 N. Pine Island Road, #224,

Plantation, Florida 33322

(954) 475-2265



A Chapter 13 Bankruptcy is referred to the Wage earner bankruptcy.  There are two reasons you would chose a chapter 13 bankruptcy.  (1) You earn more that the average person.  Therefore, you do not qualify for the Chapter 7 Bankruptcy.  Or (2) you have assets above the amount that you are allowed to keep.  Specifically, in a Chapter 7 bankruptcy you are allowed to keep only your home, $1,000.00 worth of personal property and $1,000.00 in equity in your car.  Pursuant to the Court disclosure:  You can usually keep your property, but you must earn wages or have some other source of regular income.  You must agree to pay part of your income to your creditors.  The court must approve your repayment plan and your budget.  A trustee is appointed and will collect the payments from you to pay your creditors and make sure you live up to the terms of your repayment plan.

In addition, individual debtors who have regular income may seek an adjustment of debts under chapter 13 of the Bankruptcy Code. A particular advantage of chapter 13 is that it provides individual debtors with an opportunity to (1) save their homes from foreclosure (2) save their car from repossession or (3) levy by the Internal Revenue Service by allowing them to "catch up" past due payments through a long term payment plan.

A Chapter 13 bankruptcy usually takes three to five years to complete.  Upon completion of the plan you will receive a discharge of your debt.  During this time, the Chapter 13 bankruptcy trustee performs many duties.  These duties include making sure your repayment plan complies with bankruptcy laws and is approved by the Court.   When you file for Chapter 13 bankruptcy, you must file a set of bankruptcy documents called a Bankruptcy Petition.  The petition is filed with the court and describes your income, monthly expenses, assets, and debts.  Based on your income and expenses, you must also propose a payment plan to repay some or all of your creditors.  After your file your bankruptcy papers, you must also send the Chapter 13 trustee certain documents including your tax returns, bank statements and pay stubs.

The Chapter 13 trustee will review your entire bankruptcy petition including your repayment plan and your documents. It is one of the trustee’s responsibilities to make sure that your income calculations are accurate and your expenses are reasonable, and that your Chapter 13 repayment plan is fair to your creditors.  Within 30 days of filing your Chapter 13, you must begin sending monthly payments to the bankruptcy Trustee.  The amount of the payment is described in your bankruptcy plan.  Until your repayment plan is approved by the court, it is in a temporary state where the trustee holds the funds in trust for your creditors.  After your plan is approved, the Chapter 13 trustee begins distributing the funds to your creditors as described by  the terms of the approved plan.

Please note that every case is different and the above description is for general bankruptcy information purposes only. If you are considering filing of a bankruptcy case, you should contact: The Law Office of John Bristol 954-475-2265 - for a specific review of your case. You may also learn additional information by visiting our other bankruptcy website: Bankruptcy Attorney

The Fort Lauderdale Bankruptcy Law Office, 1776 N. Pine Island Road, Plantation, Florida 33322 is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Chapter 13 Bankruptcy Office of John Bristol

1776 N. Pine Island Road, #224, Plantation, Florida 33324

On the Corner of Pine Island Road and Sunrise Boulevard

From I- 95 take Sunrise Boulevard West to Pine Island Road

from I-595 take Pine island Road North to Sunrise Boulevard

* All no money down bankruptcy cases are paid through a long term bankruptcy plan of reorganization. All monthly payments are made to the Bankruptcy Trustee, Robin Weiner for later disbursement to the attorney.
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask Attorney Bristol to send you free written information about our qualifications and experience. You should consult an attorney for individual advice regarding your own situation. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.
Attorney advertising. We are a debt relief agency. We help Florida people and businesses file for bankruptcy under the U.S. Bankruptcy Code. The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Any communication sent via the Internet using this web site would not be confidential and would not create an attorney-client relationship. Information collected on this site, attorney John Bristol and staff have access to the information that you voluntarily provide us via email only. We will not sell, or rent this information to anyone, and use it only to contact you. You can opt out of further communications from us by sending us an email to this address. We take precautions to protect your information both online and offline. If you feel that we are not abiding by this privacy policy, please contact us immediately.