I still have clients that insist on filing a Chapter 7 when they do not qualify. I explain that I am happy to file a Chapter 13 for them and there reply is usually, “There’s no way I can pack back all my debt over 3, 4 or 5 years!! If I could, I wouldn’t be sitting here.” The Middle District of Florida Bankruptcy Court has videos to help understand the process better @www.flmb.uscourts.gov/bankruptcybasics/.

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