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Chapter 13 Begin Your Journey Towards Financial Freedom

Chapter 13 Bankruptcy Attorney in College Park

Providing Debt Solutions In Stockbridge, College Park & Atlanta

If you are not eligible to file for Chapter 7, you may be able to file for Chapter 13. Considered as a reorganization plan, Chapter 13 bankruptcy consolidates your debts into a much more manageable repayment plan. Our College Park bankruptcy lawyers at The Bankruptcy Law Group LLC can help you determine if you are eligible for Chapter 13 bankruptcy. Once we confirm your eligibility, we can meet with creditors to ensure that your interests and rights are protected.

Essential Chapter 13 Bankruptcy Information

  • While it takes longer than the Chapter 7 bankruptcy process, Chapter 13 bankruptcy is just as effective
  • You pay back creditors through a repayment plan of monthly installments
  • Your lawyer can help you negotiate a fair repayment plan

Seeking a Chapter 13 Bankruptcy Lawyer? Schedule Your Free Consultation by calling us at (770) 766-5004 or completing an online form. We serve College Park and Stockbridge.

Step-by-Step Guide to Filing Chapter 13 Bankruptcy

For guidance with any of the steps below, reach out to The Bankruptcy Law Group LLC. Our bankruptcy lawyers are ready to help analyze your debt and determine if this option is right for you.

To begin filing for Chapter 13, you must:

  1. Collect any documents relating to your assets, debts, or income such as copies of credit reports, tax returns from the last 4 years, bank statements, etc.
  2. Take inventory of the property you own. Some of your assets may be exempt from bankruptcy laws!
  3. Analyze your debt and determine what type of debt it is (credit card debt, medical bills, etc.)

Top Advantages of Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a valuable option for those residing in Atlanta, Stockbridge, and College Park to reorganize their finances and manage their debts in a more feasible way. The following are some key benefits of Chapter 13 bankruptcy that are specifically relevant to individuals in these areas:

  • Avoid Foreclosure: Homeowners in Atlanta, Stockbridge, and College Park who are struggling with mortgage payments can use Chapter 13 bankruptcy to stop foreclosure. Through a repayment plan, they can catch up on missed payments and keep their homes.
  • Stop Collection Efforts: Chapter 13 bankruptcy can also prevent collection attempts by creditors through phone calls, letters, and lawsuits. This can provide much-needed relief from the stress and anxiety of dealing with creditors, especially for those who are having difficulty making ends meet.
  • Flexible Repayment Plan: Chapter 13 bankruptcy provides a repayment plan that is flexible and tailored to fit your budget and financial situation. This can be especially beneficial for residents of Atlanta, Stockbridge, and College Park who may be facing high living expenses or limited income.
  • Asset Protection: Unlike Chapter 7, Chapter 13 bankruptcy allows people to keep their assets and devise a repayment plan that fits their budget. This is particularly important for individuals in these areas who may have valuable assets, such as a home or a car.
  • Improved Credit Score: Although bankruptcy can have a negative impact on credit score successful completion of a Chapter 13 repayment plan can demonstrate to creditors a commitment to paying off debts and can lead to an improvement in credit scores over time.

Next Steps After Debt Analysis for Chapter 13

After you have analyzed your debts and have determined that filing for Chapter 13 is best for your financial situation, you must complete the first credit counseling course approved by the Department of Justice.

A fee may be applicable, but it may be waived if you are eligible:

  1. Complete the bankruptcy forms.
  2. File for Chapter 13 bankruptcy and pay the filing fee. This cannot be waived.
  3. Send documents to the bankruptcy trustee.
  4. Attend the 341 Meeting of Creditors and the confirmation hearing.
  5. Keep up with the repayment plan

When you are finished repaying your debt, you will need to complete a second debtor education course before receiving a discharge of your debt.

Why Choose The Bankruptcy Law Group LLC

Flexible Appointment Times for Your Convenience

We realize that many of our clients are busy, often juggling multiple jobs to provide for their loved ones. To better serve our clients, we offer late evening and weekend appointments to accommodate their schedules. Because the need for trustworthy counsel could arise at any moment, we also offer emergency legal services to our clients. Our clients are our top priority, which is why we treat them with the utmost respect and professionalism.

Consult with Our Chapter 13 Bankruptcy Attorneys in College Park

As soon as you reach out to us for help, our legal team will carefully assess your financial circumstances to determine how you should proceed. We can take care of all the details and paperwork so you don't have to feel overwhelmed by the process. Our firm proudly serves clients near College Park, Stockbridge, Newnan, and the surrounding Atlanta area.

Informative Bankruptcy Blogs

Discover Your Chapter 13 Bankruptcy Options Today or call (770) 766-5004 to learn more about the Chapter 13 bankruptcy process and whether or not it is right for you.

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See What Our Clients are Saying

    "Stacy Butler has gone above expectations with me. Any time any day she responds to my questions and concerns. She has been very understanding of my situation and has been compassionate of my circumstances."
    Stacy Butler has gone above expectations with me. Any time any day she responds to my questions and concerns. She has been very understanding of my situation and has been compassionate of my circumstances.
    - Karen
    "Excellent, kind, polite, very professional, great manners, fast response to every email and phone call, excellent communication between each of them and client (me). They are simply AWESOME!!!"
    I would recommend this Lawyer 100%. All of them are excellent at that office: *They offer affordable payment plans. *They explain everything about what you are about to file. *They respond every concern or question in a fast manner. Excellent, kind, polite, very professional, great manners, fast response to every email and phone call, excellent communication between each of them and client (me). They are simply AWESOME!!!
    - Tamara
    "I have recommended the bankruptcy team several times! Thanks for being there even when it wasn't a part of your job. Her assistants were AWESOME as well!!!"
    I have recommended the bankruptcy team several times! Thanks for being there even when it wasn't a part of your job. Her assistants were AWESOME as well!!!
    - Sam
    "I felt like a weight was lifted from my shoulders and I could start over again with rebuilding my credit."
    This was my very first time filing for bankruptcy and was afraid b/c of the stories that I had heard of in not being able to get credit for ten years. After surfing the web, I contacted Attorney Stacey Lynn Butler. After explain my situation to her staff, they scheduled me an appointment right away. Attorney Stacey Lynn Butler and her staff were very friendly, caring, knowledgeable, responsive, and trustworthy. I was pleased to know that I could have my attorney fees deducted from my paycheck weekly instead of paying the entire fee upfront. They stopped the already in progress garnishment and got ALL of the money returned to me! After gathering all of the requested documents, I was given a court date. After the court date, I received a letter from the judge approving my bankruptcy. I felt like a weight was lifted from my shoulders and I could start over again with rebuilding my credit. I would like to say to Attorney Stacey Lynn Butler and Staff....Thank you so much for a job well done!
    - Timothy
    "With her professional help and expertise, I was able to claim my financial freedom and start over! Thank you so much Ms. Butler!"
    I kid you not, Stacey Butler changed my life! I went to Ms. Butler in July of 2012 with a case that I thought she wouldn't be able to help with. She got the debt collectors off of my back. They stopped calling and harassing me and I was even able to have my driver's license reinstated! Over a three month period, I was able to make conveniently scheduled payments to pay for her services. Ms. Butler was very professional, very personable and she helped me accomplish something that I had been attempting to accomplish for SEVERAL years (LICENSE!!!) on my own unsuccessfully due to my horrible financial situation. With her professional help and expertise, I was able to claim my financial freedom and start over! Thank you so much Ms. Butler!
    - Evelyn
    "I am very satisfied with the way my case went and am happy I chose Ms. Butler as my lawyer. You will be happy as well."
    Ms. Butler are very professional, knowledgeable and caring about my situation. I am very satisfied with the way my case went and am happy I chose Ms. Butler as my lawyer. You will be happy as well.
    - Johnnie
    "I would highly recommend her for anyone who needs an attorney."
    Ms Stacey Lynn Butler unique combination of professionalism and customer service was instrumental in me selecting her to handle my case. I would highly recommend her for anyone who needs an attorney.
    - Roosevelt
    "Stacey Butler helped my husband and I gain financial freedom. She was very upfront and even went beyond the call of duty when it came to our home. I will send others to her if there is a need."
    Stacey Butler helped my husband and I gain financial freedom. She was very upfront and even went beyond the call of duty when it came to our home. I will send others to her if there is a need.
    - Kimberly

    Why Choose The Bankruptcy Law Group LLC?

    • You Have Access to Staff Members With Counseling Backgrounds
    • We Accept ARAG and Hyatt Legal Plans
    • Our Clients Are Not Treated Like Numbers
    • We Have Over A Decade Of Experience
    • We Offer Free Bankruptcy Consultations
    • We Have Flexible Availability

    You Deserve To Live Your Life Debt Free

    Virtual & Teleconference Meetings Are Available In Addition To In-Person

    If you have MetLife or ARAG legal insurance, please make sure to include your Eligibility ID (MetLife) or Membership ID (ARAG).

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