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Filing for Chapter 13 Bankruptcy

Make a fresh financial start with help from the Law Office of Mike Wilson. Our firm has experience working with clients filing for Chapter 13 bankruptcy. We understand how to navigate the sometimes complicated process in order to yield the best results for our clients. Contact us in Jacksonville, Florida, and we will develop a plan for you to easily repay all or most of your debt.

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Automatic Stay

When a loan repayment option is the right solution for you, the next step is to rehabilitate the default through the terms of the Chapter 13 and leverage the automatic stay. Immediately upon filing, a stay goes into effect and no creditor can continue with any attempt to collect the debt. You are entitled to exempt real and personal property up to a certain dollar amount.

Discharge of Debts

Following the steps above, you'll receive a discharge and all of your dischargeable debts will be discharged. Non-dischargeable debts include student loans, certain taxes, and domestic support obligations. Post-discharge, we'll continue our relationship with you to ensure you recertify your repayment program every year with the Department of Education. This process is based upon your adjusted gross income and your family size, which often changes from year to year.


Virtual Conferences

We utilize state-of-the-art technology, allowing us to function more effectively. Our system is set up on a cloud, similar to the federal court system, and we operate with scanners and computers rather than mailing and faxing. In fact, we can form an analysis with a client online through a virtual conference interface.

We have dual monitors, which give the client a full view of their case. This helps them see the big picture and why they need help with their finances. This is ideal for federal student loan programs, because we can assist clients located throughout the country.

Unemployment Overpayment Penalties

A Jacksonville bankruptcy court judge recently held that the quadruple-damage overpayment penalty assessed by the Unemployment Insurance Agency (UIA) is dischargeable. The court conditioned the dismissal of a debtor's penalties on the successful completion of their Chapter 13 plan and the receipt of discharge. Unsurprisingly, the UIA has appealed the judge's decision. Only time will tell whether this decision will help many of those in Florida who are subjected to the oppressive "quadruple" penalty provisions related to the alleged overpayment of unemployment benefits.

This is a big issue for many hard-working men and women in Florida who suffer from the tyrannical "hard ball" tactics used by the UIA. It is not unusual to find debtors with penalty assessments that exceed $20,000.00.

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