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There are debt requirements to file Chapter 13 bankruptcy in Florida. Unsecured debts must be less than $394,725, and secured debts must be less than $1,184,200. Secured debts are loans that have collateral, such as car loans and mortgages. On the other hand, unsecured debts have no collateral.
You do not meet income requirements. Chapter 13 requires debtors to make enough income each month to pay their secured debts, such as a car or house. If you do not earn enough or your income is not steady, the bankruptcy court might not allow you to file for this type of bankruptcy.
2. File an Application to Waive Filing Fee. Individual debtors in chapter 7 cases who meet certain financial requirements may apply for a waiver of the filing and certain other fees by filing Official Bankruptcy Form 103B ?Application to Have the Chapter 7 Filing Fee Waived?.
Collect Your Florida Bankruptcy Documents. ... Take Credit Counseling. ... Complete the Bankruptcy Forms. ... Get Your Filing Fee. ... Print Your Bankruptcy Forms. ... File Your Forms With the Florida Bankruptcy Court. ... Mail Documents to Your Trustee. ... Take a Debtor Education Course.
The filing fee for a Chapter 13 petition is $313. Case number must be included on the certified check or money order. Filer should include a self-addressed stamped envelope if a receipt is requested.