Pros & Cons: Chapter 7 & Chapter 13

If you’re overwhelmed by debt, facing wage garnishments, or struggling to keep up with payments, bankruptcy may be the solution. Our experienced Orlando bankruptcy lawyers can help you determine the best path forward.

Which Bankruptcy Option Is Right for You?

Chapter 7 – Fast Debt Relief

• Eliminate Most Unsecured Debt (Credit Cards, Medical Bills, Personal Loans)
• Keep Your Home & Car (If They Qualify for Exemptions)
• Get a Fresh Start in as Little as 3-6 Months
  
  ⚠ Not all debts are dischargeable (e.g., student loans, child support)
  ⚠ Income limits apply – You must pass a means test to qualify
  
  

Chapter 13 – Debt Restructuring & Asset Protection

• Stop Foreclosure & Keep Your Assets
• Consolidate Debt into One Affordable Monthly Payment
• Protect Co-Signers from Creditor Actions
  
  ⚠ Requires a Steady Income to Stick to a 3-5 Year Repayment Plan
  ⚠ Takes Longer Than Chapter 7 to Discharge Remaining Debt
  
  

Whether you need fast debt relief with Chapter 7 or a structured repayment plan with Chapter 13, our experienced Orlando bankruptcy attorneys are here to guide you every step of the way. Don’t let debt control your life—get the fresh start you deserve.
Call today for your free, no-obligation bankruptcy case consultation with our bankruptcy law attorneys.