Chapter 13 Bankruptcy in Florida

When an individual owes more money than they can pay back, they are eligible to file for bankruptcy protection. Chapter 13 bankruptcy is a debtor reorganization bankruptcy that provides debtors a method to develop a payment plan and pay off creditors. Chapter 13 bankruptcy is an alternative for consumers who fail the means test (a code-calculated income to debt ratio test) or with significant assets that they don’t want to lose in liquidation. Chapter 13 in Florida uses the disposable income of the consumer. Not everyone will qualify and the consumer is required to pay off debts within a three or five year period.

There are many reasons hardworking, honest people need to file for bankruptcy. Situations like wage garnishment, creditor harassment, repossession, foreclosure, lawsuits, illness, disability, divorce and loss of income are the most common. Filing a Chapter 13 bankruptcy is nothing to be ashamed about. Bankruptcy protection is a right granted by the United States of America and State of Florida governments. The Law Office of John A. Russo, P.A., located in Melbourne, is here to protect your consumer debt rights. We know that bankruptcy and debtors court can be overwhelming and frustrating and that many Brevard County residents are suffering from harassment from debt collectors. Find out how you can stop the harassment by contacting us 24/7 by phone at (321) 757-4031, email at or our online contact form for a free, confidential, initial consultation. We schedule appointments at all times of day and our office is conveniently located in Melbourne. If your situation makes it more convenient, we will even travel to you. We are here to help you during this overwhelming time.

In 2005, Congress overhauled the bankruptcy laws. In some cases, it has made it easier to get protection under a Chapter 13 bankruptcy filing and in other instances it has made it harder. A lot of confusion still exists over the new bankruptcy laws. However, most people are still eligible to file for Chapter 13 bankruptcy. Find out how the laws affect you and if a Chapter 13 bankruptcy filing is right for your situation. Contact us 24/7 by phone at (321) 757-4031, email at or our online contact form for a free, confidential, initial consultation. We are located in Melbourne and have convenient office hours. If your situation prevents you from coming to our office, we will come to you.
During our free consultation, we will review your personal finances and challenges, the different types of bankruptcy filings to determine if Chapter 13 is your best plan for you. We will also discuss what you should expect in a Chapter 13 debt reorganization, how much time it will take and what the final outcome will be for you financially. In some cases, bankruptcy may not be the right path for you. The Law Office of John A. Russo, P.A., will work with you to help you assess and determine the course of action that will benefit you the most. Contact us 24/7 by phone at (321) 757-4031, email at or our online contact form for a free, confidential, initial consultation.

Everyone has an opinion about bankruptcy filings and you will find a lot of good and bad advice online. Some of the worst pieces of advice that I’ve ever heard about bankruptcy are:
1. If you declare bankruptcy you’ll ruin your financial life forever.
2. It is your obligation to pay back the bank, bankruptcy and foreclosure are the easy way out.
3. You don’t need to file for bankruptcy or seek foreclosure protection, Credit Counseling can help you pay off your debt and lower your monthly payments.
Find out why I believe these three items to be bad advice by scheduling a free, confidential, initial consultation. You can contact me 24/7 by phone at (321) 757-4031, email at or our online contact form.

Stress and anxiety come with debt and having financial difficulties can create a variety of emotional and physical issues. If you are suffering from financial hardship, don’t let your health suffer. Don’t let illness, disability, loss of income, being underwater in your home, lawsuits or divorce bring you down. Bankruptcy protection may be right for you. Brevard County resident, John Russo is in your corner and is here to help you find the right path for the fresh start that you deserve. Contact John 24/7 with our online contact form, phone at (321) 757-4031 or email at We are located in Melbourne, have convenient hours and will even travel to you for added convenience.

It is possible to file for a Chapter 13 bankruptcy without an attorney. However, the process is so complex and the forms so technical, that even the United States Bankruptcy Court Middle District of Florida highly recommends an individual seek legal advice. An attorney will ensure that all paperwork is filed accurately, in a timely manner and in accordance with the laws of the United States of America and the State of Florida. There are legal and financial implications surrounding filing for bankruptcy. Don’t get caught without the right support, let The Law Office of John A. Russo protect your rights. Contact John 24/7 for a free, confidential, initial consultation at our Melbourne office. Complete our online contact form, call us at (321) 757-4031 or email at If your situation does not allow you to travel, we will even come to you.
Everyone has the right to legal counsel, The Law Office of John A. Russo, P.A. is a veteran owned business that is proud to serve the residents of Brevard County, including the communities of Melbourne, Satellite Beach, Viera, Cocoa Beach, Cocoa, Cape Canaveral, Patrick Air Force Base, Titusville, Melbourne Beach, Indian Harbour Beach, Palm Bay, Rockledge , Grant-Valkaria, Malabar, Melbourne Village, Palm Shores, Suntree, Angel City, Tropic, Aurantia, Barefoot Bay, South Patrick Shores, Bellwood, Canaveral Groves, Eau Gallie, Indianola, Kennedy Space Center, June Park, South Cocoa Beach, Lotus, Melbourne Shores, Merritt Island, Micco, Mims, Pineda, Port St. John, Scottsmor, Sharpes and Shiloh.