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  • Sultana Law, P.A. - 2699 Lee Road Suite 110, Winter Park, FL 32789
  • Tel: (407) 545-2099 • Fax: (407) 545-4679
  • Email: Info@SultanaLaw.com

Understanding Chapter 13 Bankruptcy

Contact our office for your FREE initial bankruptcy consultation.  You have nothing to lose by finding out what your options are.  So give us a call or fill out the contact form to the right so we can help you to a brighter financial future!


While filing for a Chapter 7 bankruptcy completely eliminates, or liquidates, most of your debts, a Chapter 13 filing restructures your debts. Chapter 13 bankruptcy may be your best option if you are trying to modify your home mortgage or avoid foreclosure, or if you are behind on car payments and need time to get caught back up before the car is repossessed. You get to keep your assets while catching up on your payments in a structured fashion, usually over a period of three to five years.

Some of the benefits a Chapter 13 bankruptcy can provide may include:

Modifying your home mortgage, even if you are behind on your mortgage payments;

Removing a second or junior mortgage lien in certain cases;

Reducing high interest rates on cars or other financed items;

Restructuring mortgages on investment properties;

Stopping harassing phone calls, lawsuits, foreclosures and wage garnishments

Sultana Law will work with you to decide the option most suitable given your particular needs and financial situation.  When you work with Sultana Law, you have a trusted attorney on your side from start to finish. We function as your hands-on advocates in all proceedings. We communicate with your creditors on your behalf and work to ensure repayment arrangements within your means and ability to pay. We attend all meetings and hearings with you, and we make sure you understand everything that is happening.  When you hire our team, you will never feel like a number or like we are out of reach.  We keep you updated and are with you every step of the way!

We don’t believe in “hopeless.”

Sultana Law has worked successfully with many clients to help modify their home mortgage enabling them to keep their home as well as restructure debts so they could regain control of their finances and their lives–we’ve even helped clients in matters other attorneys considered “hopeless cases.” Before you resign yourself to hopelessness, meet with Sultana Law and let us review your case. The initial consultation is absolutely free, so what do you have to lose?

To schedule your FREE initial bankruptcy consultation, call Sultana Law today at (407) 545-2099.