American College of Attorneys Best of the Bar Award
10.0 Avvo Superb Lawyer Rating
Top 100 Trial Lawyers Award
Orlando Top Lawyers 2012 - 2024
Best Lawyers in America Award
Super Lawyers 2024 Award
Florida Legal Elite Award
Best Lawyers 2024 Award
Orlando Sentinel Best Bets Lawyer Award

Florida Chapter 13 Bankruptcy Law Firm

Whether you are struggling to save your Orlando home or you are just overwhelmed by business or credit card debt, a Florida Chapter 13 bankruptcy law firm can help you evaluate options and come up with a good plan of action.

Living with debt is no fun. Creditor calls can be stressful and scary. The imminent loss of your car or home can create anxiety that damages your intimate relationships or your health. Filing Chapter 13 bankruptcy can stop car repossession, foreclosure, and other problems.

Our full service law firm can help you explore all options, including negotiating debts without the need to file bankruptcy; invalidating or eliminating certain debts; stripping or eliminating second mortgages or other liens on property; and reducing the principal of your mortgage through negotiation or litigation.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)

Florida Chapter 13 Attorneys to Relieve Your Financial Distress

The TK Law Firm has helped thousands of families in Central Florida deal with problems similar to ones that you may be facing. When you meet with our legal team, we will examine your whole financial picture, so you can meet your goals and needs. Our attorneys have practical experience with Florida business law, real estate law, asset protection law, bankruptcy law and foreclosure defense.

A Strategy to Reorganize and Pay Down Debts

Chapter 13 is also known as a “wage-earner’s bankruptcy” in Florida. Chapter 13 allows individuals who earn a steady income (but who nevertheless have incurred a debt) to reorganize debts without having to surrender precious assets. Typically, the repayment plan will last from 3 to 5 years; and requires biweekly or monthly payments.

Chapter 13 is often the only other bankruptcy option for those individuals who do not meet the Chapter 7 Means Test because they earn too much money. Filing Chapter 13 may also be beneficial for stopping home foreclosure, wage garnishments or to gain control over catastrophic credit card or student loan debt.

Chapter 13 bankruptcy may also provide the opportunity to catch up on missed mortgage payments over time or to restructure debt.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)

Mortgage Stripping and Cram-Down: Two Additional Florida Chapter 13 Benefits

If you have a second or third mortgage on your home, or if you have other liens, including a home equity line of credit on your home, filing a Chapter 13 may allow you to “strip,” or eliminate, these mortgages or liens from your property. This act can boost your equity and reduce your monthly payment amounts.

Alternatively, you may be able to use a judicial process known as “cram-down,” which eliminates part of a secured debt. A secured debt is a debt or credit line that is secured by an asset, for instance a car loan or a mortgage on a home. An unsecured debt is a debt that is not secured by any asset, for instance a credit card or signature loan. If you owe more on a secured debt than the asset securing the debt is worth, you may be able to reduce, or “cram down,” the debt down to the value of the asset.

The Florida Chapter 13 bankruptcy lawyers at the TK Law Firm are ready to review your position and help you figure out the best path to financial freedom. Connect with us at 855-Kramer-Now (855-572-6376) to schedule a free Chapter 13 consultation.

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All free case evaluations are reviewed by our legal team. For immediate assistance, please call us at 407-834-4847.

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The Orlando divorce lawyers at TK Law are deeply committed to the individuals and families they serve. We are here to help you resolve each legal concern so you can regain control and move forward with your life. You will also have a steadfast, accomplished advocate in your corner to fight for what matters most if a dispute goes to trial.

We know how overwhelming conflict can be and how painful it is to see a marriage end. We will guide you through this difficult process before, during and after your divorce.

Contact our offices today to schedule a confidential consultation with one or our family law attorneys, or call us at 855-572-6376.



Our best awards are
client victories

Roy P.
Mar. 2024
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Gastell and Kayla were awesome! They helped me make it through a very challenging time in my life with kindness and compassion. They were always available to answer my questions and kept me up to date. Their counsel was extremely helpful in aiding a resolution that I am very satisfied with.
Carmen D.
Mar. 2024
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I give this law firm a 5 star. Ray and Janelise helped us with our probate issue and made the process a lot easier for us to finalized all of it. We're very thankful to this law office and recommend them for any legal issues.Thank you Janelisse and Ray and the entire office .
Alysia T.
Jan. 2024
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I am thankful to Janelise and Kayla at TK Law for a fantastic job. Kayla guided me through every step of my divorce process. She is patient, professional, and honest. I highly recommend them!
Chris O.
Dec. 2023
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This was first experience hiring a law firm and I am very happy that I hired TK Law. My attorney Janelise and Paralegal Kayla were kind, knowledgeable and made the process easy. They were quick to respond when I needed revisions to my document and the final outcome was perfect. If I ever need legal help in the future, I will not hesitate to contact TK Law again.

*Top-rating from clients and award publications such as Orlando Weekly, US News & more.​


Schedule Your Case Evaluation

We offer payment plans, accept credit cards, are available for evening appointments and our main office is conveniently located right off of I-4, between 436 and 434. For immediate help call: 407-834-4847.


The information found here is for general information purposes only. Nothing on this site should be taken as legal advice for any situation or individual case. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.


Phone: 407-834-4847
999 Douglas Ave #3333, Altamonte Springs, FL 32714

Service Areas

Orange & Seminole County, Florida.