Thinking About Filing Chapter 13 in Boynton Beach? Avoid This Costly Mistake That Could Derail Your Case.
When debt starts piling up and you’re falling behind on mortgage or car payments, Chapter 13 bankruptcy can be a powerful tool—especially for residents of Boynton Beach who want to save their homes, stop repossessions, or catch up on bills without liquidating assets.
But here’s the truth:
One mistake trips up more Chapter 13 filers than any other—and it could get your entire case dismissed.
At Wallace Law, we help individuals and families throughout Palm Beach County file and succeed in Chapter 13 bankruptcy. And we’ve seen too many good people make this one costly error…
❌ The Biggest Mistake? Filing Without a Realistic Repayment Plan
In Chapter 13, you’re agreeing to repay a portion of your debts over 3 to 5 years—but the success of your case depends on one thing:
👉 Can you actually afford the plan you propose?
Many people (and even some non-attorney petition preparers) create repayment plans that are doomed from day one, because they:
- Underestimate monthly expenses
- Omit key debts like HOA arrears or tax liens
- Overpromise payments they can’t afford long-term
- Fail to adjust for fluctuating income (self-employed or gig workers)
When your plan is unrealistic, the court won’t approve it—or you’ll fall behind and face dismissal down the road.
💡 What a Boynton Beach Bankruptcy Attorney Will Do Differently
At Wallace Law, we don’t just plug numbers into software—we sit down and build a real financial strategy based on your income, priorities, and future goals.
As your local Chapter 13 bankruptcy lawyer in Boynton Beach, we will:
✅ Help you create a sustainable repayment plan that meets court standards
✅ Work to protect your home from foreclosure or car from repossession
✅ Analyze your debts and determine which can be reduced or eliminated
✅ Ensure you meet all deadlines and local filing requirements in the Southern District of Florida
✅ Appear with you at hearings and respond to objections from creditors
🏡 Chapter 13 Is Especially Powerful in Palm Beach County
Many of our Boynton Beach clients use Chapter 13 to:
- Stop a foreclosure and catch up on mortgage payments
- Pay off car loans or strip down second mortgages
- Protect non-exempt assets they’d lose in Chapter 7
- Get relief from tax debt or back child support
But it only works if the repayment plan is realistic, strategic, and legally sound.
⚠️ Don’t Trust Your Future to a Petition Preparer or Generic Filing Service
Chapter 13 is complex. If you’re serious about protecting your home, your car, and your income—you need a real bankruptcy lawyer near you who practices in Palm Beach County courts every day.
📞 Talk to Wallace Law Before You File
We offer real answers, honest advice, and practical legal support to help Boynton Beach residents use Chapter 13 as a real second chance—not another financial trap.
🔹 Call Wallace Law today at (561) 400-3896
🔹 Serving clients throughout Boynton Beach, Delray Beach, Lake Worth, and Palm Beach County
🔹 Personalized service. Local experience. Proven results.
County
🔹 Personalized service. Local experience. Proven results.
Wallace Law – Helping Boynton Beach Families Restructure, Recover, and Rebuild.