Learn More About

Chapter 7, Chapter 11,
Chapter 12, Chapter 13

Mr. Wynn has been practicing Bankruptcy Law in the state of Florida for over 33 years. He is experienced in handling Bankruptcy cases including Chapter 7, Chapter 13, Chapter 11 and Chapter 12. Read More.

Charles M. Wynn,
Law Offices, P.A.

4436 Clinton St Marianna, FL 32446-3435

Phone: 850-526-3520
Toll Free: 800-780-8060
Fax: 850-526-5210

Business Hours:
Monday - Thursday
8:00 am - 5:00 pm

8:00 am - 12:00 pm

Panama City Office
Phone: 850-784-0132
Fax: 850-526-5210

Charles Wynn has recently earned the Client Distinction Award.

This honor has been made possible by clients who have taken the time to compliment you in the following areas:

✓  Communications Ability
✓  Responsiveness
✓  Quality of Service
✓  Value for Money

Bankruptcy Types

Chapter 11 Bankruptcy

Chapter 11 Bankruptcy is available to both individuals and businesses. If an individual is in debt over $1,010,000.00 to secured creditors or over $336,900.00 to unsecured creditors, Chapter 13 will not be available, and a Chapter 11 bankruptcy would be the best option for that person.  Many times, filing Chapter 11 bankruptcy for a business can help save the business. Click here to read more…

Chapter 7 Bankruptcy

In Chapter 7 Bankruptcy, many debts can be eliminated completely.  Chapter 7 is fast and relatively inexpensive. It allows an individual or couple to obtain a fresh start. A common myth about Chapter 7 bankruptcy is that the filer would lose his or her home, but in truth your home is exempt if it meets certain criteria. You may be able to keep one or more vehicles.   Click here to read more…

Chapter 13 Bankruptcy

Chapter 13 bankruptcy eliminates debt as Chapter 7 does, but requires the client to restructure the debt and create a repayment plan. Unpaid unsecured debt is discharged at the end of the Plan term to enable unsecured creditors to receive more through a Chapter 13 than they would receive if the client filed a Chapter 7. Chapter 13 often stops mortgage foreclosures and allows the client to cure the missed payments over the Plan term. The changes made to Bankruptcy Law in 2005 make it more difficult to file Chapter 7 and wipe out unsecured debt.  Click here to read more…

Chapter 12 Bankruptcy

Chapter 12 Bankruptcy is a special interest area of bankruptcy that is reserved for family fishermen or family farmers with regular annual income.  There are many similarities between Chapter 13 Bankruptcy and Chapter 12 Bankruptcy, but Chapter 12 was developed to specifically allow family farmers and fishermen to continue to operate their business while carrying out a plan to repay creditors.  Click here to read more…

"Charlie care" is a slogan we developed to describe a plan for individuals who knew they were facing future medical expenses which they would be unable to afford. We would place the individual into a Chapter 13 Bankruptcy for a 3 to 5 year period.

When the medical event occurred they have three options:

1. Modify their budget to repay the medical expense

2. Convert their case to a Chapter 7 and discharge the new debt, or

3. Dismiss their case and re-file to bring in the new debt under the Chapter 13 umbrella of protection.

Often times, an immediate Chapter 7 will provide the short term debt relief, but prevents the individual from filing another Chapter 7 due to exorbitant medical expenses for 8 years.

The hiring of a bankruptcy attorney is an important decision that should not be based solely upon advertisements. Before making an informed decision, contact us to discuss your specific case and our qualifications. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer-client relationship. If you are considering bankruptcy and would like to discuss the specifics of your case, please contact our offices today or email us your case information.