Tampa divorce attorneys family lawyers in Tampa, Riverview, Apollo Beach, Brandon, Carrollwood, Northdale, South Tampa, Hillsborough County, Pinellas County, Florida
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Tampa Chapter 13 Bankruptcy Mortgage Modification Attorneys

Chapter 13 Mortgage Modification Attorneys Serving Tampa, Brandon, Riverview & Hillsborough County

There are many mortgage borrowers struggling to make their monthly loan payments and falling behind in their payments. The Tampa Division of the Florida Middle District Bankruptcy Court has devised a mortgage bailout program formally named a mortgage modification mediation program under Chapter 13 bankruptcy. This program is intended to help borrowers to obtain a modification of their mortgage or home loan under Chapter 13 bankruptcy. So if you are behind in your mortgage and/or finding it difficult to make the monthly payment, you should consult with an experienced bankruptcy attorney as this may be beneficial to you.

We provide an initial consultation at no charge to discuss your potential Chapter 13 Bankruptcy and mortgage modification. Call 813-672-1900 or e-mail the law office of All Family Law Group, P.A.

Our attorneys are available for consultation by WEBCAM, telephone or in office consultation.

If so, the Chapter 13 Plan, which is either 36 or 60 months depending on the borrowers income as determined in the bankruptcy, includes a request to modify the monthly mortgage payment of a mortgage on real property owned by the borrowers. The borrowers will have to make a payment equal to 31% of their gross income each month as adequate protection payments to the mortgagee, which will include property taxes and property insurance. Therefore, if 31% of your gross income is more than your mortgage payment including taxes and insurance, then a modification would not be beneficial to you. That is unless you are behind on your loan payment which will be cured in a modification and your total payment will be 31% of your gross income. Even if a modification would not be beneficial to you, if you are behind in your payments then a Chapter 13 bankruptcy will help you to catch up with your payments by the end of the plan period and to help you save your home and avoid foreclosure.

A mediation must be scheduled with the lender within 6 months of filing the bankruptcy petition, as the automatic stay which protects a borrower from foreclosure is automatically terminated at the end of six month period. A neutral “mediator” attempts to negotiate an agreement between the parties. If an agreement can be reached, then the mediator will prepare the modification agreement.

Contact our office for more information on this procedure and we will be happy to discuss your options with you.
Furthermore, if you decide that a mortgage modification through a Chapter 13 bankruptcy is to your benefit, we can provide an attorney to attend the mediation with you to make sure your interests are properly represented, as the lender will have its attorney(s) at the mediation.

Contact an Experienced Tampa Chapter 13 Modification Bankruptcy Attorney

If you have questions regarding divorce, family law, adoption, name changes or bankruptcy, as well as foreclosure defense, contact the law firm of All Family Law Group, P.A. We provide a free initial consultation, accept MasterCard, Visa, Discover and American Express, and charge reasonable and competitive rates. Furthermore, to assist you we have a team of attorneys and legal staff committed to providing to you the best representation possible.

Our main office is conveniently located in the Riverview/Brandon area on Highway 301 South directly off of Interstate 75, near the intersection of Bloomingdale Avenue and we have offices through Tampa Bay for your convenience. Contact our firm by e-mail or call 813-672-1900. We will respond at our earliest opportunity!


All Family Law Group, P.A.
The law firm of All Family Law Group, P.A. provides legal services to the Florida cities of Tampa, Clearwater, Brandon, Riverview, Hyde Park, South Tampa, Ybor City, Northdale, Valrico, Gibsonton, Lithia, Mango, Palm River, Plant City, Seffner, Sun City Center, Apollo Beach, Ruskin, Temple Terrace, Carrollwood, Northdale, Thonotosassa, Lutz, Fish Hawk, MacDill Air Force Base, and Hillsborough County, Pasco County and Pinellas County.

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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