Florida Chapter 7 and 13 Bankruptcy

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It’s no secret that in today’s unstable economic climate, we are seeing more individuals and families fall behind on their financial obligations. In some cases it’s no fault of their own, unexpected circumstances have lead them here.

Fortunately, whether you have lost your job, have been injured or fallen ill and are unable to work, or have become victim of an unfavorable mortgage loan, you may be able to find debt relief with the assistance of an experienced Fort Walton Beach bankruptcy attorney.

At the law office of Aaron B. Wentz, P.A., our attorneys leverage more than 40 years of experience to offer detailed and understanding debt relief guidance to clients in tough financial situations in Ft. Walton Beach, FL.

With your best interests and your financial future always in mind, we strive to provide the personalized bankruptcy guidance you need to understand your eligibility and how a filing can help you eliminate debts relating to credit cards, medical bills, personal loans and unfavorable mortgage loans.

Detailed Chapter 7 or Chapter 13 Bankruptcy Advice


Our knowledge and experience allows us to offer advice on various debt relief strategies, including:

  • Chapter 7: Commonly referred to as liquidation bankruptcy, Chapter 7 allows for the elimination of unsecured debts following the sale of your non-exempt assets. The Chapter 7 process can be completed in as little as 90 days and can offer you a clean slate and a chance to rebuild your strong financial standing.

  • Chapter 13: A viable strategy for clients hoping to avoid a foreclosure, Chapter 13, or restructuring bankruptcy, allows for the creation of an affordable debt repayment plan. Upon successful completion of the repayment plan, generally lasting between three and five years, any remaining debt is discharged, leaving you to rebuild your strong financial standing.

Simply filing for either Chapter 7 or Chapter 13 offers instant benefit; upon your filing an automatic stay goes into effect, ending foreclosure proceedings, wage garnishments repossessions and the harassment of creditors and bill collectors.