A Chapter 13 bankruptcy enables you to reduce or reorganize your debt so  that you can repay some or all of it. Chapter 13 bankruptcy is intended  for individuals who are able to pay for basic living expenses, but are  behind on paying off their debts. By filing Chapter 13, you must propose  in good faith that you will pay all or part of your debt from future  earnings over a period of time.

If a Florida court approves your payment plan, you may settle your debts  with a Chapter 13 bankruptcy even if your creditors are not willing to  go along with the plan. By making your payments as required, you are  able to stop home foreclosure, bill collector harassment, and car  repossession.

Filing Chapter 13 with a Tampa bankruptcy attorney can also put you back on the road to rebuilding your credit rating.

If a creditor continues to call or write to you after you have advised  them that you have filed for bankruptcy and given them your case number  and filing date, make sure to ask for and write down the name of the  person contacting you, and the date and time. Keep a log of any  unauthorized contacts after your bankruptcy filing. If any creditor has  contacted you repeatedly after notification of your filing status you  should call your attorney.