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One of the biggest changes affecting bankruptcy eligibility came when the temporary pandemic-era Chapter 13 debt ceiling ended in June 2024. The law reverted to separate debt limits, and the current debt limit figures in effect now through March 31, 2028 are $1,580,125 in secured debt and $526,700 in unsecured debt. That matters for Florida homeowners, vehicle owners, and small business operators who might have qualified under the old combined $2.75 million threshold but no longer fit Chapter 13. If your numbers are close, waiting or filing at the wrong time can close off one chapter and push you toward another. A real review of the debt mix is now more important than ever. Give us a call at ZinnLaw (239) 418-1529 or visit our website at www.zinn.law. #Chapter13 #DebtLimits #FloridaDebtHelp #ZinnLaw