Chapter 13 Bankruptcy

Atlanta Chapter 13 Bankruptcy Lawyers

The Path to Freedom from Your Debt Starts Here

When you’re drowning in an ocean of debt, bankruptcy can offer an invaluable lifeline. Chapter 13 bankruptcy could be your method of not only eliminating your debt forever, but of finally halting the ceaseless calls and emails you receive from debt collectors and creditors.

Here at Holston & Huntley, our Atlanta Chapter 13 bankruptcy attorneys understand the anxiety and stress that come from trying to stay afloat month after month. We are highly experienced with guiding clients through the most complex proceedings and can provide you with strong, dependable representation.

Contact us online or call (404) 620-3337 today for skilled and empathetic support during your Chapter 13 process. We offer free consultations, payment plans, and competitive rates because we know you need high-quality counsel at a price you can afford.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is commonly called the wage earner’s plan because it allows individuals with regular incomes to repay some or all of their debts. More specifically, debtors propose a repayment plan to make installments to a bankruptcy trustee over 3-5 years. This trustee then distributes the payments to qualifying creditors.

If your current monthly income is less than the applicable state median, your plan will be for 3 years, unless the court approves a longer period “for cause.” If your current monthly income is greater than the applicable state median, your plan generally must be for 5 years. No Chapter 13 cases will last longer than 5 years.

Chapter 13 offers several advantages over liquidation under Chapter 7. Perhaps most significantly, Chapter 13 allows you to reschedule your secured or non-dischargeable debts (e.g. mortgage, tax debt, alimony, auto loan, etc.) and extend them over the life of the Chapter 13 plan. This can help you save your car from repossession and your home from foreclosure. To successfully save your assets, you must make all monthly payments and fully catch up on arrears by the end of your 3-5-year plan.

Eligibility Requirements for Chapter 13

Before you begin the Chapter 13 filing process, make sure you are eligible.

The key qualifications include:

  • Filing as an individual/sole proprietor (rather than a business entity)
  • Holding a form of regular, reliable income
  • Owing less than $419,275 in unsecured debt
  • Owing less than $1,257,850 in secured debt

Retain Professional Support Today

Never try to file your application on your own simply to save money. Because of our years of training and experience as Chapter 13 bankruptcy attorneys in Atlanta, you will want to stand back and let our team handle your case. This will help you maximize the benefits of bankruptcy while minimizing your losses.

Contact us online or call (404) 620-3337 for professional aid from Holston & Huntley. We can help you obtain financial freedom as soon as possible.

Hear from Our Clients

  • “My case/medical expenses were treated with the utmost care and efficiency. I recommend anyone with any type of accident injury to visit Holston and Huntley.”

    - Rashad P.
  • “I would highly recommend Holston and Huntley. The staff in the office are very nice. Abena was a big help she is the best!!”

    - Kim W.
  • “We are very pleased with the results, would definitely refer to friends and family.”

    - Tiffany C.
  • “They were able to get me into a great rehab facility that helped to alleviate my neck and knee injuries.”

    - Melanie T.
  • “During my initial appointment, Mr. Buddy and I discussed the particulars of my situation. He confidently answered my questions and made me feel comfortable to move forward with his representation.”

    - Former Client
Our Other Services

In addition to bankruptcy, Holston & Huntley provides exemplary personal injury services. Whether you’ve been bitten by a dog, injured in a car accident, or even affected by the sudden loss of a loved one, our team is here for you. We know what you’re going through, and we want to handle the legal aspects of your personal injury or wrongful death claim so you can focus on what’s most important: your physical, financial, and emotional wellbeing.

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Are you looking for advice as to what you should do in the event of an accident? Contact us today to receive a free guide and checklist from Holston & Huntley LLC to always be prepared.

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What Makes Us Different
  • Experienced 1000+ Cases Handled
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Start Your Path Towards Relief

Our experienced attorneys have the experience necessary to handle your bankruptcy and personal injury matter with the care it deserves. Schedule a free consultation with one of our skilled attorneys today.