Chapter 13 Bankruptcy

Chapter 13 is a debt consolidation or debt repayment case where the filer makes a monthly payment to a Chapter 13 trustee.

To get started, call our office at 770-228-5760 to schedule an appointment. You will need to bring the following information with you for the attorney to review:

• All pay stubs received by you for the past two (2) months
  If you do not receive pay stubs, please bring bank statements showing any income you have earned or statements from unemployment or social security showing your monthly income. If you are married, we will need a pay stub from your spouse as well even if he or she is not filing the case with you.
• Tax return for the last year filed
• Proof of your social security number (social security card, W-2, 1099)
• Proof of government issued photo ID (driver's license)

The attorney consultation is free. The filing fee to file a Chapter 13 case is $310 plus a $50 credit report fee and $15 pre-filing credit counseling fee. If you do not have the full $375 up front, the court will sometimes allow you to pay $75 of the case filing fee. The balance would have to be paid in two (2) equal monthly installments. If you qualify for this option, you would need a minimum of $140 fo file a Chapter 13 case.

The total attorney fees for a Chapter 13 case vary, but are usually paid through your case along with your other creditors and do not need to be paid up front.