Chapter 13


Many people elect to petition for Chapter 13 when foreclosure threatens in order to save their home. It is much easier to qualify for a Chapter 13 bankruptcy if in taking the means test you determined that you are not eligible to file under Chapter 7 due to a number of reasons including too high of an income.

To file under Chapter 13 your unsecured debts must not exceed $337,000, and your secured debts must not exceed $1,010,000.

Another major difference is in Chapter 7 your debt is discharged within a few months, whereas Chapter 13 takes 3 to 5 years before your debt is discharged. Working with a West Palm Beach bankruptcy lawyer at the Walker Law Firm, P.A. will give you the advice and guidance necessary to smooth your way through the process.


The first step of the bankruptcy process is to supply your attorney with your income and expenses and all the information you have regarding all creditors and your debts including taxes as well as any potential future liabilities. Once your petition is filed with the court, an automatic stay will stop all collection activity including law suits, and give you relief from harassing phone calls and letters. Based on your financial information a repayment plan will be constructed.

The Chapter 13 trustee will set the date for your meeting with your creditors. Generally very few creditors attend. Once the Trustee approves your repayment plan the monthly due date for your payments will be set. Payments are made to the Trustee who then disburses the funds. At the end of your payment plan the unsecured debt which remains unpaid is discharged. Working with a knowledgeable Chapter 13 attorney can be a huge advantage in helping you to succeed.

You may be surprised how quickly your credit can be rebuilt. Read our page on life after bankruptcy for some tips. While it is not always the right solution there are a number of benefits of bankruptcy. There are a number of bankruptcy questions that you may have, and our website seeks to help address some of those concerns. Our team is also prepared to answer any further inquiries you may have as well.


Due to the many restrictions of filing for Chapter 7 bankruptcy, as mentioned briefly above, Chapter 13 enables people struggling with certain forms of debt to establish a repayment plan that they could not otherwise do in another Chapter. Under Chapter 7 a debtor will seek to have the majority of their debt discharged or eliminated, though there are certain forms of debt that cannot be cleared by this process. The Walker Law Firm, P.A. will help you determine which category your debt fall under in order to best fight of your current debt. Examples of non-dischargeable debt include:

  • Money that is owed for domestic support (alimony or child support)
  • Student loans (there are rarely exceptions)
  • Debt from certain taxes
  • Debt to governmental agencies or courts (criminal fines, penalties, etc.)
  • Debt for homeowners association fees
  • Debts accrued through a personal injury lawsuit that you were at fault for



Are you currently trying to decide if you should file for bankruptcy or not? If you are at all on the fence, please do not hesitate in contacting us at the Walker Law Firm, P.A. to discuss any questions or concerns you may have. We understand how difficult it is to experience debt, and we want to lead you to a decision that is best suited for your unique circumstances.

A skilled legal professional from our office will address not only the different forms of bankruptcy, but also the alternatives there are to allow you the chance to make an educate decision for your course of action. Our primary objective is to help you reach debt relief, one way or another.

Other areas we serve include Jupiter, Palm Beach Gardens, Boca Raton, Lake Worth, among many others. Give us a call at 561-689-1512 today for a free initial consultation!



  • Carissa LawhunFlorida Realty
    Walker Law Firm, P.A. specializes in unemployment appeals and laws.

    Our office has hired Mr. Walker several times to assist with unemployment appeals. He always takes the time to fully understand the set of circumstances surrounding the employee's separation and this makes all the difference. He is extremely knowledgeable in his field, aggressive, and highly tenacious.

  • James StatenClient
    Walker Law Firm, P.A helps people in the Palm Beaches with their Bankruptcy problems.

    We had the privilege of working with the Walker Law Firm recently. Ed and his staff handled our case in a timely and professional manner. They were available to answer questions and ensured us that they were handling everything. Our end result was exactly what we were hoping for. If you are looking for someone who will work hard to represent you and at a fair price, you need to call the Walker Law Firm.

  • Ginger GowingReal Estate Agent
    Walker Law Firm, P.A. specializes in real estate law.

    What I love about using Ed Walker for my closings is that it is always one on one with him! With Ed he always answers all of my questions day or night and happy to speak to all parties involved in the closing of the sale.  All of my sellers & Buyers love that Ed Walker comes to us for the closing! I would highly recommend others to use Ed for his services and am thrilled to have him as my closing attorney.

Walker Law Firm
July 14, 2014
5 star/5 stars
Our office has hired Mr. Walker several times to assist with unemployment appeals. He always takes the time to fully understand the set of circumstances surrounding the employee's separation and this makes all the difference. He is extremely knowledgeable in his field, aggressive, and highly tenacious.
Walker Law Firm, P.A. Edwin Walker Bankruptcy Debt Chapter 13 Chapter 7 Bankruptcy Lawyer Attorney Are you thinking about bankruptcy? Call our bankruptcy lawyer today for a free consultation. Walker Law is a trusted West Palm Beach, FL Bankruptcy Attorney. Walker Law Firm, P.A. Edwin Walker 2015-07-14 text Local Business 561.689.1512 Website for Bankruptcy Attorney in West Palm Beach, FL en Walker Law is West Palm Beach, FL Bankruptcy attorney specializing in Chapter 7 and Chapter 13 Bankruptcy. West Palm Beach, FL Access to Everyone