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Chapter 13 Bankrutpcy Timeline

A Chapter 13 bankruptcy may be the right relief option for you if you are able to repay a portion of your debt. This type of bankruptcy allows you to reorganize your debt and combine monthly bills into one single payment. The Chapter 13 bankruptcy requires you to satisfy many of your debts to creditors within a three to five-year period.

Englett and Associates is experienced in providing debt relief options to clients, including Chapter 13 bankruptcy. We will carefully explain every step of the bankruptcy process and guide you to a successful outcome. Please contact our office for a free consultation at (855) 215-2280 to discuss your financial situation.

Chapter 13 Bankruptcy in Florida - What will happen?

For consumers who have never filed bankruptcy, the Chapter 13 bankruptcy timeline begins approximately six months before the case is filed.

Initial Consultation with your Attorney: Once you decide to pursue bankruptcy as an option to manage overwhelming debt, you will meet with an experienced bankruptcy attorney to discuss the details of your particular situation. At the initial consultation Englett and Associates will discuss with you whether or not a Chapter 7 bankruptcy or Chapter 13 bankruptcy is your best option.

Englett and Associates will collect financial information from you prior to filing your case so the bankruptcy attorney can assist you with preparing a monthly repayment plan to your creditors.

Chapter 13 Timeline

180 days prior to filing Chapter 13 bankruptcy: You are required to attend an approved credit counseling program sanctioned by the courts.

When you file your Chapter 13 bankruptcy case: After you have completed the required credit counseling course, provided the necessary financial information required to prepare your petition and sign your petition, you’re petition for Chapter 13 bankruptcy will be filed. At this time your case will officially begin and an automatic stay will be entered, which stops the following activity:

Collection harassment
Repossession of personal property
Wage Garnishment
The bankruptcy court will notify each of your creditors immediately once you have filed for Chapter 13 bankruptcy.

30 days after filing a petition for Chapter 13 bankruptcy: You are required to make your first payment to the trustee under the Chapter 13 plan. You will also be required to take a second credit counseling course at this point in time called the Debtor Education Course.

Approximately four to six weeks after filing for Chapter 13 bankruptcy: You must meet with the Chapter 13 Trustee at what is known as a, “341 Meeting of Creditors”. Although it is called the Meeting of Creditors, Creditors typically do not attend this meeting and this meeting is used to verify your identity and review your petition. Creditors have 120 days to file a proof of claim with the bankruptcy court, this lets the Court know that you owe that Creditor money.

Approximately six to eight months after filing: Your case will go to a Confirmation Hearing, where your plan is solidified so that changes are more difficult to make. You are not required to attend this meeting, your attorney will attend this on your behalf.

Within three to five years of filing a Chapter 13 bankruptcy: You will conclude your payment regimen and obtain a final discharge from the bankruptcy court.

Changes During the Three to Five-year Repayment Period

If your financial circumstances change within the three to five–year period you are repaying creditors,your attorney will assist you to re-review your bankruptcy and assess if there are any additional options for you.

What if I have filed for Chapter 13 bankruptcy before?

Even if you have previously filed for bankruptcy, you may qualify to file a new bankruptcy. Englett and Associates will be able to assist you with determining if you qualify to file a new bankruptcy.

Contact an Experienced Englett and Associates Chapter 13 Bankruptcy Attorney

Contact Englett and Associates now at (855) 215-2280 to explore your options for debt relief through Chapter 13 bankruptcy.

We offer debt relief solutions in compliance with U.S Bankruptcy Code.

Our Locations


150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

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100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

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Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

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Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

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324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

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St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

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(727) 497-6076

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Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

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(863) 327-1724

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6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

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(321) 460-1646

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Suite 203

DeLand, Florida 32720

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(386) 626-0011

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1415 Panther Lane

Suite 374

Naples, Florida 34109

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(239) 201-2527

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3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

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50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

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