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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

Panama City Chapter 12 Bankruptcy Attorneys

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 or fishermen to continue to operate their business while carrying out a plan to repay creditors.  If you feel that Chapter 12 Bankruptcy can help you, contact experienced Bankruptcy Attorney Charles Wynn today to schedule a confidential meeting regarding your options.

Advantages of Chapter 12 Bankruptcy

  • Opportunity to keep the farm or fishing enterprise
  • Able to continue operating the business
  • Repayment schedule more conducive to cash flow cycle of a farm or the fishing industry

Chapter 12 Bankruptcy is very similar to Chapter 13 Bankruptcy with a few key differences.  Both types of Bankruptcy provide for a restructuring of the debts and finances.  There is a trustee appointed in each instance to repay the creditors while the clients have no direct contact with the creditors during the allotted repayment time, which can be three to five years.  A key difference in Chapter 12 Bankruptcy is in who is allowed to file.  Chapter 12 Bankruptcy was created by Congress in 1986, to help farmers who were struggling financially get back on their feet and keep the farm.  It was later amended to provide for protection for family fishermen.

Steps in Chapter 12 Bankruptcy

If you are a family farmer or fisherman struggling to make payments to your creditors, Chapter 12 Bankruptcy may be an option for you.  Should you decide to file, here is an overview of what the process may be like.

After filing for a Chapter 12 petition, a trustee will be appointed to handle the case.  The trustee will act as a disbursing agent for payments to creditors. The bankruptcy clerk will inform your creditors of the filing and creditor collection actions will cease unless authorized by the Court or specifically provided for in the Bankruptcy Code.

The Debtor will file a case summary with the Court and will provide a summary of operations. Monthly operating reports are filed by the Debtor each month during the case. The Debtor will file a Plan of Reorganization which can restructure creditor payments and the terms of repayment can last beyond the Plan term. The Chapter 12 gives the farmer or fisherman the speed of relief similar to a Chapter 13 with many of the power elements contained in a Chapter 11. Finally, a confirmation hearing regarding the Chapter 12 repayment plan will be scheduled, where the plan for repayment should be confirmed.

You will be allowed to operate your farm or fishing enterprise as you normally do throughout the proceedings and while repaying the debts.


For family farmers or fishermen with regular annual income and are struggling financially, Chapter 12 Bankruptcy may be an option.  Many bankruptcy attorneys in Florida do not work with Chapter 12 filings, but Attorney Charles Wynn has extensive knowledge and experience in all areas of Bankruptcy.  Deciding whether or not to file bankruptcy is something not to be taken lightly, and Mr. Wynn can help anyone in Panama City, Marianna, or anywhere else in Florida determine the best course of action for you and your family.  Contact Mr. Wynn today for a confidential consultation regarding your personal situation.

"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.