Government jobs in Atlanta, Marietta, Conyers, and throughout Northwest Georgia offer steady pay and great benefits, but no job offers immunity from financial struggles. Between mortgages, car loans, student debt, and unexpected expenses, you can find yourself falling behind. If you're facing foreclosure, repossession, or overwhelming debt, Chapter 13 may be the tool you need to get back on track.

At the Craig Black Law Firm, I understand that your job is important to you, but so is protecting your home and your income. For that reason, I personally work with you from the time you call my office. If you're considering Chapter 13 bankruptcy, call me at 678-888-1778 or complete this confidential contact form.

Chapter 13 for Government Employees

Chapter 13 is also called “the wage-earner's plan” because it's designed for those with steady income. As a government employee, you check that box, making it an option for you. Whether you work for a federal agency, the State of Georgia, a school district, or Fulton, Cobb, or Rockdale County, your paycheck can form the basis of a repayment plan in bankruptcy court.

When you file for Chapter 13, the courts first issue an automatic stay. This stops all collections efforts, including foreclosures, repossessions, and collection calls. From there, you'll work with the court to create a repayment plan, which is based on your income and necessary expenses. You'll make monthly payments on that plan for three to five years, letting you catch up on mortgage or rent payments and keep your vehicle.

How Chapter 13 Protects Your Jobs and Your Assets

Many government employees in Sandy Springs, Conyers, and the surrounding areas worry about whether filing for bankruptcy will impact their employment. In most cases, your employer won't be aware of it. If you're in a position that requires a credit check, it might be revealed, but you can always explain how the filing helped you regain financial freedom.

Chapter 13 also allows you to keep the assets you need for daily life. Your home, your car, and your personal possessions will be protected while you're making reasonable monthly payments toward your debt. Best of all, you don't have to live with the constant fear of harassing calls from creditors. You can focus on doing your job and spending time with your family, without losing access to the transportation you need to get to work each day.

Take Control of Your Finances Today

If you're a government employee struggling with debt, you have options. Whether you live in Atlanta, Conyers, or another area of Northwest Georgia, Chapter 13 can provide a path to reclaiming your financial health, protecting your paycheck and your property while letting you enjoy your daily routine of work and play.

Like other employees, Atlanta's government workers can fall behind on their bills. The Craig Black Law Firm works personally with each client, customizing our approach to your needs. If you're considering bankruptcy, call me at 678-888-1778 or complete this contact form.