Looking for an Atlanta Chapter 13 lawyer?
Let’s face it – it’s been a tough year or two for most of us. But for some there seems to be no end in sight. If you find yourself struggling to pay your bills, bankruptcy can get you back in control.
Craig Black, an Atlanta Chapter 13 lawyer, helps Atlanta residents like you find the best path out of crippling debt. And both you and your assets will get the careful attention you deserve. We know how to determine what type of bankruptcy option will best work for you, while helping you maintain control over the decisions you need to make.
Problems You Can’t Afford to Avoid
- Annoying phone calls reminding you of overdue bills
- You're taking cash advances to make bill payments
- You're having to choose essentials over paying credit card minimums
- You're constantly experiencing stress over your finances
The sad truth is that once the debt spiral starts the likelihood of recovering from it is very low.
We’ve seen the mental and physical stress can have on our clients, and we know how difficult it can be.
What Does Chapter 13 Do For Me?
After your debt payment plan is set up you will make monthly payments to a trustee who is appointed by the court. That trustee will pay each of your creditors according to the plan. When you’ve completed the plan any remaining debt goes away.
When you file for Chapter 13 most of the actions to collect your debt will stop. So creditors can’t garnish your wages or file lawsuits against you. Filing can also help stop the foreclosing of your home, as long as you keep paying your home loan. The calls with demands for payment will also stop.
What’s the difference? Under Chapter 13, an individual with a regular paycheck can create a plan to repay all or part of their debts. This is seen as a reorganization of your debt to make it easier to pay off, while Chapter 7 is seen as a liquidation or cancellation of debt that cannot be repaid.
We can help you determine whether Chapter 7 or Chapter 13 Bankruptcy is right for you.