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Marietta Chapter 13 Bankruptcy Lawyer

Debt Relief through Chapter 13

Chapter 13 bankruptcy is sometimes refereed to as the "wage earner's" bankruptcy because a debtor must have steady income in order to qualify. In a Chapter 13, a debtor is required to make payments for a period of three to five years to repay a percentage of their debts. All of our attorney's fees are also paid in the plan, so you only have to pay the bankruptcy filing fee of $281 and $100 administrative fee for a total of $381 to file Chapter 13 with our firm.

Chapter 13 Payment Plan

The Chapter 13 bankruptcy payment plan can last three to five years, depending on your income and expenses. Determining the amount of these payments is a complicated process and should not be attempted on your own. Many considerations have to be taken into account including income, expenses, assets, and types of debt. Making a mistake or missing a deadline in your Chapter 13 can result it your case being dismissed and you having to pay additional filing fees to continue. Let an experienced Marietta, GA bankruptcy lawyer can make sure the payment plan and petition are accurate to avoid delays and additional costs.

During the payment plan, you will also get the benefit of the automatic stay. You will no longer have to dodge creditor calls or dread going to the mailbox. Once you complete your payment plan, the remaining balance on your unsecured debts will be discharged. You will no longer be required to pay those debts, and those creditors cannot contact you in the future trying to collect additional money.

Foreclosure Protection in Chapter 13 Bankruptcy

One benefit of Chapter 13 bankruptcy is the ability to stop a foreclosure and possibly save your home. If you are currently behind on your mortgage, the arrearage can be paid in the plan. This can give you the opportunity to keep your home and get caught up on your mortgage payments.

Strip a Second Mortgage in Chapter 13

Another advantage is to those that are carrying a second mortgage or home equity line on a house that is underwater. If your home has less value than the what is currently owed on the first mortgage, you may be able to completely strip away the second mortgage. This means you will never have to pay your second mortgage and the mortgage holder can not come after you for the balance ever.

There are some restrictions during the Chapter 13 repayment period. You tax return will likely have to go into your payment plan and you will not be allowed to incur any new debts. But once the plan is paid in full, you will be free and clear of all dischargeable debts.

Contact a Marietta Chapter 13 Bankruptcy Attorney

Contact an experienced Marietta Chapter 13 bankruptcy lawyer that can evaluate your bankruptcy filing options. We offer evening, weekend, telephone, and online consultations to accommodate all schedules. Call us today at (770)334-8574 or email us to learn how a Chapter 13 bankruptcy can benefit you.

Marietta Bankruptcy Attorney | Contact Us | Site Map | Marietta Bankruptcy Lawyer Blog
The Law Office of Antonio B. Mari
258 South Tennessee Street
Cartersville, Georgia 30120
(770)334-8574
www.Marietta-Bankruptcy-Lawyer.com
www.CartersvilleBankruptcyLawyer.com

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