Mickler & Mickler is a Jacksonville, Florida based law firm devoted exclusively to the practice of bankruptcy law. We offer Chapter 7 filings for as little as $450 down.
Chapter 13 will allow you to cure arrearages on child support obligations. While you must maintain your current payments over the life of the Chapter 13 or as long as you are obligated, arrears can be cured during the Plan period
It is a common misconception that only large corporations qualify to file Chapter 11. To the contrary, Chapter 11 is available to both individuals and corporations (including C corporations, S corporations, limited liability companies, and partnerships). Whether a Chapter 11 might benefit you or your business depends on the facts and circumstances of your particular situation. In some instances, one might file Chapter 11 strategically in order to reduce debt service. In other cases, a Chapter 11 filing may be a necessity to avoid seizure of assets by a judgment creditor.
If you are living in a home and behind on your mortgage, Chapter 13 bankruptcy in the Jacksonville Division allows you to potentially modify your mortgage through the Chapter 13 Plan. Since December of 2011, mortgages in Chapter 13 in the Jacksonville Division have been referred to a mediation program run by the Court. Our office will determine an appropriate HAMP or other modification program payment and put that amount in your Chapter 13 Plan. You start paying the modified amount immediately! Then we will put together your modification package and obtain a Court Order referring your case to a Federal Bankruptcy Court approved mediator. Assuming that you qualify for a HAMP or other modification program, our office will guide you through the mediation and modification process every step of the way. From the initial payment, to attending the mediation to putting together the final approval of the modification in your Chapter 13 Bankruptcy – We will make sure that every effort is made to complete your modification and have your mortgage payment and arrearages adjusted.
Foreclosure
If you are facing obstacles ranging from a foreclosure sale or simply high interest rates and debt service, Mickler & Mickler is here to help you with your problems, great and small. Our attorneys have experience with a wide variety of individuals and businesses including...
Tax Law
The Bankruptcy Code allows you to pay past due IRS taxes over a 5 year period. Interest and penalties are generally waived if you complete the Plan and receive a Discharge from the Court in your Chapter 13 case. Certain older taxes may also be treated as unsecured and discharged at the end of a Chapter 13 case with minimal payments. Please contact our office for a complete evaluation of your tax issues as the Bankruptcy Code has several provisions which may limit your ability to discharge tax debts.