Brandon Bankruptcy Lawyers Serving All of Hillsborough County

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Your six month income lookback for Chapter 13 includes:

  • Wages earned
  • Commissions and bonuses earned
  • Interest and dividend income
  • Significant gifts and personal loans from family members
  • Inheritance and trust distributions
  • Tax refunds
  • Retirement fund distributions

When you file Chapter 13 bankruptcy to restructure your debt into a court supervised repayment plan, you will be required to list your financial assets, including current income. The courts require a look back period of six months, to ensure that there has not been a major liquidation of assets or deliberate reduction in income in anticipation of filing the bankruptcy petition.

If you are considering filing for Chapter 13 bankruptcy, but are concerned about the six-month look back, there are strategies and legal options for protecting yourself. In most cases, any major changes of financial status can be explained by job loss, medical care or other legitimate circumstances. An experienced bankruptcy attorney will know how to ensure that the look back period does not interfere with your ability to successfully file.

The six-month look back is a required component of Chapter 13 petitions. Prior to confirming your court supervised repayment plan, the court will look at:

Free Consultation · No Obligation · Serving the Gulf Coast · Call: (813) 489-1095

If you have concerns about the changes in your financial circumstances for your six-month look back for Chapter 13, talk to an attorney at our firm. Don’t assume you will not qualify. In most cases, we can find a solution that makes your petition successful. Learn more about your six-month look back for Chapter 13 bankruptcy. Call an experienced Florida bankruptcy attorney at The Golden Law Group. We are ready to answer all of your questions about bankruptcydebt relief and illegalcollections practices.

From three convenient office locations, we represent individuals, families and business owners in bankruptcy matters in Bradenton, Brandon, Sarasota, and communities throughout the Florida Gulf Coast region. If you are over your head in debt and don’t know where to turn for relief, turn to us. Contact us today for a free, no-obligation consultation.

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