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Chapter 13 Bankruptcy

Consolidate your debts and protect your property

  • End the harassing phone calls.
  • Prevent your home from going into foreclosure.
  • Protect your car from repossession.
  • Stop wage garnishments and bank account levies.
  • Prevent lawsuits.
  • Possible elimination of debt.

Helping clients throughout Georgia find relief from debt

Chapter 13 is a consolidation and repayment form of bankruptcy for individuals with regular income. It provides protection from your creditors while allowing you to keep property and repay creditors in a manageable way. Based on the amount of your debts, income and living expenses, an attorney will help you establish a three- to five-year repayment plan. The plan payment amount is a set payment which is paid to a Chapter 13 Trustee, who distributes the money to your creditors. Chapter 13 bankruptcy is a good choice for individuals who have regular income, wish to retain property and repay their creditors in an affordable way.

An overview of the Chapter 13 process

  1. Contact Jeff Field & Associates to schedule a free initial consultation.
  2. Prepare your paperwork before coming in for your consultation. Visit our Getting Started page and fill out all appropriate forms. If you are married, make sure your spouse fills out these forms as well.
  3. Free initial consultation. An attorney meets with you to review your paperwork and determines which form of bankruptcy is right for you.
  4. Complete credit counseling courses. Prior to filing your Chapter 13 case, you must complete a credit counseling session, and after your case is filed, you must complete a financial management course. Both sessions are available online or by phone. Our firm relies on Access Hope for the credit counseling session and Dave Ramsey's Debtor Education for the financial management course.
  5. Meeting of Creditors. Approximately one month after you file your case, you and one of our attorneys attend a hearing called the Meeting of Creditors. At this hearing, the Chapter 13 Trustee briefly reviews your case.
  6. Confirmation Hearing. The Bankruptcy Judge approves your repayment plan. Generally, you are not required to attend this hearing.
  7. Discharge. Upon completion of your repayment plan, you receive an Order of Discharge from the Bankruptcy Court.

Advantages of Chapter 13 bankruptcy

Filing for Chapter 13 bankruptcy presents clients with unique advantages that other forms of debt relief cannot offer, such as the following:

  • No interest on credit card and finance company debt
  • No interest or penalties on tax debt
  • Prevention of mortgage default
  • Potential elimination of second mortgage lien debt
  • Reduced interest rates on secured loans
  • Reduction of the amount of secured loans to the value of collateral
  • Repayment of child support arrears

Jeff Field & Associates provides clients with an additional advantage — our Marietta Chapter 13 bankruptcy attorneys and support staff have the necessary experience to make filing for bankruptcy easy.

We are there for you every step of the way!

Frequently asked questions

How long does Chapter 13 bankruptcy remain on my credit report?

A chapter 13 bankruptcy will remain on your credit report for seven to 10 years depending on the credit agency.

How long does a Chapter 13 bankruptcy last?

Chapter 13 repayment plans usually take 3-5 years to complete.

Take control of your finances and reclaim your life

From offices conveniently located in Athens, Douglasville, Gainesville,  Lawrenceville, Marietta and  Scottdale,  Jeff Field & Associates is able to help people throughout the Atlanta metropolitan area and beyond. To schedule an appointment call 404-381-1278 or contact us online. Jeff Field & Associates represents clients in Rome,  Atlanta, Gainesville, Newnan, Macon and Athens. Please visit our Blog site to view posts by our attorneys for additional information about bankruptcy and a variety of other topics we hope you will find interesting and helpful.