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 eliminating your debt forever. It could also finally halt the ceaseless calls and emails you receive from debt collectors and creditors.

Here at Holston & Huntley, our Atlanta Chapter 13 attorneys understand the stress 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. 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. This is 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 median, your plan will be for 3 years. This is unless the court approves a longer period. 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.

Benefits of Filing for Chapter 13

Chapter 13 offers several advantages over liquidation under Chapter 7 bankruptcy. 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 plan can help you save your car from repossession and your home from foreclosure.

To successfully save your assets, you must make all monthly payments. You must also fully catch up on arrears by the end of your 3-5-year plan.

In addition, Chapter 13 protects any third parties who are liable for your debts, through a provision. This can offer protection for certain co-signers.

Chapter 13 Eligibility Requirements

There are certain qualifications for filing bankruptcy under 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
  • Having current tax filings for the past four years

Importantly, unsecured debts are those that are not backed by collateral. These generally include debts from credit cards, taxes, medical bills, or personal loans. Secured debts are backed by collateral, including mortgages or car loans.

Retain Professional Support Today

Never try to file your bankruptcy application on your own simply to save money. Because of our years of experience as bankruptcy attorneys, you can feel confident in letting our team handle your case. We 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.

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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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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.