Chapter 13 Bankruptcy Attorney in Melbourne, FL
Protect What Matters While Regaining Control of Your Finances
At Mann Law, we understand that falling behind on your mortgage, car loan, or other debts can feel overwhelming, especially when working hard to stay afloat. If you face foreclosure, repossession, or constant creditor pressure, Chapter 13 bankruptcy may provide the structure and relief you need to get back on track without giving up your home, car, or other vital assets.
While the Chapter 13 process can be complex, it doesn’t have to be confusing. With our firm on your side, you can have a dedicated attorney guiding you at every stage, answering your questions, and helping you make informed choices. We aim to help you stabilize your finances, protect what matters, and move toward a better future.
Book a free initial consultation with a Melbourne Chapter 13 bankruptcy lawyer at Mann Law. Call (321) 461-5482 or reach us online. We serve clients throughout Brevard County and Central Florida.
How Chapter 13 Bankruptcy Helps Debtors
Chapter 13 bankruptcy is often referred to as a "reorganization" bankruptcy. Unlike Chapter 7, which involves liquidating assets, Chapter 13 allows individuals with regular income to create a manageable repayment plan over three to five years.
During that time, you can catch up on past-due mortgage or car payments, stop foreclosure proceedings, and prevent repossession, while continuing to live in your home and drive your vehicle, while keeping up with their ongoing payments.
The Right Lawyer Can Make All the Difference
At Mann Law, You're Always the Priority
At Mann Law, we're more than just a law firm—we’re your advocate, your guide, and your trusted partner through some of life’s toughest moments. With insider experience, local roots, and a personal approach, we’re here to fight smart and treat you right.
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We Know the Opposition
Before founding Mann Law, David Mann defended insurance companies—so he doesn’t have to guess what they’re thinking. He uses that insight to build stronger, smarter cases for you.
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Recognized for Excellence
Named a New York Times Power Lawyer and honored in 40 Under 40, David Mann brings award-winning advocacy and leadership to every case he takes.
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Client-First Approach
You'll work directly with your attorney—not handed off to a staffer. David is committed to giving every client the attention, communication, and respect they deserve.
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Local Roots, Real Results
As a lifelong resident of Brevard County, David understands the needs of his community. He’s earned a reputation for caring service and powerful results throughout Florida.
Why You Need a Chapter 13 Bankruptcy Lawyer
In some cases, Chapter 13 can even reduce your car payments or allow you to pay only a percentage of your unsecured debt, depending on your financial situation. It may also help reinstate a suspended driver’s license caused by unpaid fines, such as parking tickets.
But these benefits are not automatic. To take full advantage of what Chapter 13 offers, you need skilled legal guidance from a lawyer who understands the system inside and out.
At Mann Law, we have years of experience helping clients navigate the Chapter 13 process. We start by reviewing your income, debts, expenses, and goals, and help determine whether Chapter 13 is the right fit for your situation. If it is, we can walk you through every step and develop a repayment plan that meets both your needs and the court’s requirements.
Who Qualifies for Chapter 13?
To be eligible, you must have a stable source of income. This doesn’t necessarily mean wages from employment. You may qualify if you receive Social Security, disability payments, unemployment benefits, retirement income, or rental proceeds.
While corporations and stockbrokers are not eligible for Chapter 13, individuals, sole proprietors, and self-employed persons generally are, so long as their debt levels fall within federal limits.
What Happens After You File?
Once you file, the court issues an automatic stay that halts creditor actions, including foreclosure, wage garnishment, and lawsuits. From there, we can work with you to submit a repayment plan for court approval.
The court will assess whether your plan is proposed in good faith and whether it pays creditors at least as much as they would receive in a Chapter 7 case. The plan must also reflect your best effort by contributing all your disposable income to your debts after covering essential living expenses.
Ready to Get Started? Call Today.
If you are ready to explore whether Chapter 13 bankruptcy is the right solution for you, talk to our attorney to learn more about how it can work with your financial situation. We offer flexible payment plans and personalized service from a legal team that genuinely cares about your future.
Call (321) 461-5482 or reach us online today for a free case evaluation with a Melbourne Chapter 13 bankruptcy attorney.
