IRS Taxes In a Fort Lauderdale Chapter 13 Bankruptcy

Can I Get Rid of Delinquent IRS Taxes in a Ft Lauderdale Bankruptcy?

Most people don't know that IRS tax debt can be either eliminated in a Fort Lauderdale bankruptcy or paid through a Chapter 13 bankruptcy without additional penalties and interest.  Dealing with delinquent IRS tax debt through bankruptcy in Broward County is something that can definitely be done. Your particular outcome will depend on your specific situation. I can say that filing a Hollywood Fl. Chapter 13 gives you some leverage against the IRS. By entering into a Chapter 13 bankruptcy to deal with your delinquent IRS taxes, the playing field changes as you now have the power of bankruptcy federal law on your side.

You are not at the mercy of the IRS after you file a Chapter 13 bankruptcy. The bankruptcy laws anticipated delinquent tax problems as something to overcome for a fresh start.

What Can be Done With IRS Tax Debt in a Ft. Lauderdale Chapter 13?

If you owe delinquent taxes to the IRS: Within a Weston Chapter 13 bankruptcy, IRS debt is classified as a priority debt. All priority debt that you have on the day you file must be paid back in your Chapter 13 payment plan. The benefit of doing so is that Chapter 13 allows you to pay off the back taxes over a three to five year period and filing a bankruptcy will stop the accumulation of additional interest and penalties which is usually what sends delinquent taxes through the roof.

Depending on when the delinquent taxes were assessed and how long it’s been since they were assessed, you may even pay back less than what you currently owe. If the taxes are over three years old and other criteria is met, your delinquent IRS taxes may even be totally eliminated in a Pembroke Pines or Hollywood Chapter 13 bankruptcy.

The Power of Bankruptcy Automatic Stay Protection Against the IRS

As you’ve learned elsewhere on this website, once you file a Fort Lauderdale bankruptcy case, an automatic stay goes into effect that prevents creditors from taking any action to collect on a debt. The automatic stay also applies to the Internal Revenue Service. From the moment your Chapter 13 case is filed, the IRS is prevented from taking any further adverse action against you and your assets. It’s important to note that if you file a Chapter 7 bankruptcy in Pembroke Pines, the automatic stay also goes into effect and stops the IRS while your Chapter 7 bankruptcy case is active. However, a Davie Chapter 7 doesn’t offer you a way to resolve the delinquent IRS tax problem It only gives you a 3 to 4 month reprieve. Once your Chapter 7 case is closed, the IRS can resume their collection efforts.

If you want to resolve your delinquent tax debt instead of just pausing the IRS collection efforts, a Chapter 13 will be the better bankruptcy chapter to file. In a Chapter 13, we have options on how to resolve the IRS debt and the automatic stay protection will apply throughout the three-to-five year time frame that your case is open.

How to Deal With an IRS Tax Lien With Fort Lauderdale Bankruptcy Law

If you have an IRS Tax Lien filed in the Official Records, then the treatment of your delinquent taxes takes on an additional layer. Once a Federal Tax Lien is filed in your county’s official records, that tax lien attaches to everything you own. Everything. It attaches to your personal property, real estate, wages, - you name it…it attaches.

In a Ft. Lauderdale Chapter 13, it’s a little more complicated to deal with delinquent IRS taxes once a tax lien has been filed but it’s not impossible. There is also tax relief available through bankruptcy and the details of how to deal with it will depend on the specifics of your individual situation.


Looking For A Bankruptcy Lawyer Near You?

The Bankruptcy Law Firm of Orfelia Mayor is a debt relief agency in Broward County that loves what they do! We help people file for bankruptcy under the bankruptcy code. Make our day by letting us help you stop wage garnishment, stop foreclosure sales, stop car repos and just get you back into loving life! Your creditors have lawyers on their side – shouldn’t you have a lawyer too?

Contact us today for a no-charge, no-obligation bankruptcy consultation throughout Broward and Palm Beach County. We happily service clients in: Broward County including Oakland Park, Cooper City, Coral Springs, Miramar, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hollywood, Lauderdale Lakes, Lauderhill, Lighthouse Point, Margate, Weston, North Lauderdale, Coconut Creek, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, West Park, Weston. In Palm Beach, we serve clients in Boca Raton, Lake Worth, West Palm Beach, Lantana, Boynton Beach, and all cities in Palm Beach County.

Ask About Our Affordable Payment Plans and Zero-Money-Down Chapter 7 Bankruptcy.

Just a quick note about the main thing on everyone’s minds when they are thinking about bankruptcy. You’re looking for a cheap bankruptcy attorney near you but you should be looking for an experienced and affordable bankruptcy attorney near you instead. We make bankruptcy affordable in Broward County.


When Your Debt Relief Can't Wait - We Can Wait For Our Attorney Fees!


How Zero Money Down Bankruptcy Works For You

While the majority of our clients prefer to make regular payments towards a bankruptcy before they file so they can get discounted attorney fees, some clients need to file right away to stop a wage garnishment, car repo or foreclosure sale. Those clients prefer to take advantage of our $0-down-payment bankruptcy option.

We can tell you more about it during your free bankruptcy consultation but to sum it up briefly, it works like this: Once you sign a retainer agreement, you only pay the costs of filing your case (approximately $485) and all of your attorney fees are paid after we file your case. This option does not get a discount on attorney fees but it does allow you to file an emergency bankruptcy petition so we can stop whatever debt collector that is threatening to take your property or garnish your paycheck. Of course, you can also take advantage of our zero-down-bankruptcy option if you do not have a bankruptcy emergency. It’s up to you. I do promise that we have a payment option that fits your budget and your situation. Make an appointment at our Cooper City bankruptcy office today! No matter where you live in Broward County, we are a bankruptcy attorney near you!
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