Gonzalez & Tybor, P.A.

Bankruptcy attorneys


Chapter 7 Bankruptcy

Generally speaking, Chapter 7 Bankruptcy clients can eliminate all of their unsecured debt (credit cards, medical, vehicle repossessions) with a process that lasts a few months.

However, the process is complicated.  Not every client will qualify for a Chapter 7 and clients run the risk of losing some of their personal property.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a process by which our clients repay some or all of their debt by making monthly payments into their Chapter 13 "plan."  

Chapter 13 offers a lot of flexibility that is not available in Chapter 7 cases.  For example, some clients can use a Chapter 13 bankruptcy to reduce or eliminate the amount owed on a second mortgage.  Additionally, some clients can reduce the interest rate or the total amount owed on a car loan.

Contact our office today to schedule a free consultation in order to discuss the best options available for you.