If you live in Tallahassee and feel buried under debt, you’re not alone. Many people across North Florida struggle to keep up with bills, mortgage payments, or credit cards. When creditors call or letters pile up, it can be hard to see a way out. Chapter 13 bankruptcy offers a way to catch up and keep what matters most—your home, your car, and your peace of mind. And our Chapter 13 Bankruptcy Lawyer in Tallahassee is here to guide you.
At Bruner Wright, P.A., our goal is to guide you through the process with care and experience. We’ve helped individuals and families across Tallahassee and North Florida find a fresh start.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a plan that lets you reorganize your debts instead of wiping them out all at once. It allows you to make affordable monthly payments over three to five years based on your income and expenses.
Unlike Chapter 7 bankruptcy, which can involve selling certain assets, Chapter 13 lets you keep your property while paying down what you owe over time. It can also stop foreclosure, end creditor calls, and help you regain control of your finances.
Why Chapter 13 Might Be Right for You?
Chapter 13 can be a good option if you have a steady income but need time to catch up on missed payments. It helps when you don’t qualify for Chapter 7 or when you want to keep your home or car.
Once your case is filed, the court issues an automatic stay, which stops creditors from calling, suing, or collecting. That means no more late-night calls or letters. You can focus on your repayment plan and rebuilding your financial health.
Because our firm serves Tallahassee and nearby areas like Pensacola and Jacksonville, we understand local court rules and trustees. That local knowledge can make the process smoother and less stressful.
What to Expect During the Process with our Chapter 13 Bankruptcy Lawyer in Tallahassee?
Here’s how the process usually works:
Free Consultation
- You’ll meet with one of our bankruptcy attorneys to review your debts, income, and goals.
Review and Planning
- We’ll complete a means test to see if Chapter 13 fits your situation.
- File Your Case
- Once your paperwork is ready, we file it with the bankruptcy court. The automatic stay takes effect right away.
- Create a Repayment Plan
- Together, we develop a realistic plan to repay part or all of your debts over three to five years.
- Meeting of Creditors
- You attend a short meeting to confirm your information.
- Plan Approval and Payments
- Once approved, you make regular payments through the trustee until your plan is complete.
Throughout this process, our attorneys guide you step by step, answer questions, and make sure your plan stays on track.
Benefits and Considerations
Benefits of Chapter 13:
- You can stop foreclosure and keep your home.
- You can catch up on car or mortgage payments.
- You can stop creditor harassment and lawsuits.
- You can consolidate debts into one manageable monthly payment.
Things to keep in mind:
Chapter 13 requires commitment. You’ll need to make regular payments and follow your budget closely. The plan lasts three to five years, so staying consistent is important for success.
Why Choose Bruner Wright, P.A.?
Here at Bruner Wright, P.A., we bring over 30 years of combined experience helping people through bankruptcy. We take time to understand your situation and explain your options in plain language. When you work with us, you’ll speak directly with an attorney who cares about your outcome.
We serve clients in Tallahassee, Pensacola, and Jacksonville, and across North Florida. Our team knows how stressful debt can feel, and we work hard to make the process easier from start to finish.
If you’re ready to explore Chapter 13 or just want to understand your options, reach out for a free consultation. We’re here to help you move toward financial stability with confidence.
Frequently Asked Questions
Do I qualify for Chapter 13 bankruptcy?
If you have a regular income and want to repay debts over time, you likely qualify. We’ll review your income, expenses, and debts to make sure Chapter 13 is the right fit.
Will I lose my home if I file Chapter 13?
Most people keep their homes in Chapter 13. The repayment plan helps you catch up on missed payments while keeping your property.
How long does Chapter 13 take?
Most plans last three to five years. The length depends on your income, expenses, and total debt.
What happens if I miss a payment?
If something changes in your situation, we can help you adjust your plan or request a modification to keep your case active.
Take the First Step Now!
Debt problems don’t have to control your life. Chapter 13 bankruptcy can give you a structured way to get back on track. The attorneys at Bruner Wright, P.A., are ready to help you build a stronger financial future.
Call 850-385-0342 or fill out the online contact form to schedule your free consultation today.