Atlanta Chapter 13 Bankruptcy Protection
Chapter 13 Bankruptcy
If you are struggling with mounting debt, bankruptcy can offer relief — and chapter 13 bankruptcy could be the key to resolving your debts and saying goodbye to those endless calls from creditors and collections agencies.
At Holston & Huntley, LLC, we understand the stress of managing financial hardships. We have assisted clients throughout Georgia in Chapter 13 bankruptcy proceedings. With our skills and experience, we can provide you with the representation you need at a price you can afford.
Filing Chapter 13 Bankruptcy in Georgia
So, what is Chapter 13 bankruptcy? Chapter 13 allows you to repay all or part of your debts with a plan that works for your income and finances. The process can take from three to five years, depending on your income and how much you owe. As such, Chapter 13 is similar to a debt consolidation, but there are some key differences.
Under Chapter 13, you will make fixed installment payments to a trustee for any debt included in the plan between 3 to 5 years. The trustee will then distribute the payments to your creditors.
Not only that, but if you’re facing foreclosure, Chapter 13 bankruptcy can help you keep your home while paying off your debts. Filing a Chapter 13 bankruptcy stops all foreclosure proceedings. Furthermore, it allows you to resolve delinquent mortgage payments, subject to some restrictions. And, any pending lawsuits that have been filed against you will stop. Chapter 13 also offers some protections for co-signers of loans. And, while your Chapter 13 case is open, creditors are prohibited from starting or continuing collection actions against you.
Generally, individuals are eligible for Chapter 13 bankruptcy if their unsecured debts are less than $383,175 and their secured debts are less than $1,149,525.
Similar to Chapter 7, you must file a schedule of assets and liabilities. You must also receive credit counseling from an approved agency. Creditors are prohibited from starting or continuing wage garnishment once a Chapter 13 bankruptcy is filed, nor can they contact you by phone or letter.
You should know that, within 14 days of filing the Chapter 13 petition, you are required to file a repayment plan for court approval. The payment plan will list a schedule of fixed payments to the trustee. The trustee will then distribute the payments to creditors. You must begin making payments within 30 days of filing the petition. Upon the completion of all payments, the court will enter a discharge. This is just one of the details that a qualified Chapter 13 bankruptcy attorney can help you address.
Explore Your Options with a Chapter 13 Bankruptcy Lawyer
Discussing your financial situation with a qualified Atlanta bankruptcy attorney can help you understand which alternatives are most beneficial to you. Our Chapter 13 bankruptcy lawyers can explain the advantages of this type of bankruptcy and help you understand the best steps to get out from under your debt.
We serve people just like you throughout Georgia, including but not limited to Metro Atlanta, Georgia; Marietta, Smyrna, Dallas, Douglasville, Riverdale, Clayton County, Alpharetta, DeKalb County, East Point, College Park, Conyers, Athens, and Macon, Georgia.
To schedule a free initial consultation, call us at 1 (844) Ga-Buddy, 1 (404) 474-2970 or contact us online.There is no cost to you, and you are under no obligation to pursue a filing. We look forward to helping you file for Chapter 13 bankruptcy and get on your way to debt relief!
Don’t risk attempting to file your petition alone to save money. Without proper knowledge of the Bankruptcy Code, you face a high risk of having your petition rejected. We offer free consultations with both Chapter 7 and Chapter 13 bankruptcy attorneys in Atlanta.
I just wanted to say thank you to the entire company,throughout my entire incident they worked fast and diligently.They always called,texted and or email me to keep me updated.They always showed great gratitude and always kept me informed. Everyone on this team is awesome.I will definitely recommend anyone here for your injury and/or bankruptcy needs.They will make sure you get the respect and the money you need. Thank you and the whole team.
I would highly recommend Holston and Huntley. The staff in the office are very nice. Abena was a big help she is the best!! They are very helpful and get everything done in a timely manner. My experience with the firm was GREAT!
Miss Abena is the best, they are working on my case now ,I just love them always kept it 100000000 and I feel like family
I had an excellent experience with Holston and Huntley. My case/medical expenses were treated with the upmost care and efficiency. I recommend anyone with any type of accident injury to visit Holston and Huntley. Abena Campbell was extremely helpful and made everything convenient and comprehendible about the my case. She was made everything easy as possible. I definitely recommend Ms.Campbell to take of you.
You can count on Buddy and Abena they are awesome. Abena was wonderful, she showed concern for me through my case. Abena walked me through this process like she knew me a long time. I promise you I felt good knowing I was being guided by someone who really cared their staff is awesome. I give them a 10+. Thank you guys, Especially, Abena
My experience with Holston & Huntley attorneys was nothing short of excellent. I worked directly with Abena. She worked hard to get the settlement that I deserved. Continued to stay in contact and keep me updated throughout the long process. Would recommend and work with them again. Thanks Holston & Huntley!
Attorney Huntley and his entire staff was instrumental in getting me everything I deserved. Their patience, kindness, and loyalty to fight for my needs at a critical time proves why they are such a fantastic firm. I would highly recommend them for any of your needs. I personally, will call Mr Huntley if I’m ever in another accident.
I was never anxious despite being in this situation for the first time and all the credit goes to you and your firm because you care and know what you are doing.Thanks.
I don’t usually leave reviews on anything but I thought I needed to share my experience with Holston & Huntley. It was great! Very quick and efficient. Buddy and his staff were awesome. I personally worked with Abena and she was always available to answer any question I had. I highly recommend this firm to anyone who needs a professional lawyer that would fight to get you the best settlement you deserve. I promise you won’t be disappointed!! Thank you, Buddy, Abena and staff for all of your help.
Holston & Huntley entire team was great to work with!!! Thank you so much
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