When debt is starting to take over your life, you may feel unnerved and lost. Bankruptcy to some people might feel like a failure. Bankruptcy is not synonymous with failure. It can give you a fresh start. You deserve that. Let our Georgia Chapter 13 bankruptcy lawyers help you through it. Call us today!
“You helped me restore my faith in so much that looked bleak and decrepit. Along this bumpy road, my lovely daughter is safe, and home, and starting to find peace again…Thank you. All the pieces unfolded and fell into place through a progression only the Lord could have planned. But the people who fulfilled his plan did it through greatness and kindness and strength. In my opinion you and Martha have done Gods work and the Judge came through! I am indebted to you both. Please understand, I can be a force and support as well. “What doesn’t kill you makes you stronger”. I still have a long way to go…so I hope that statement is true. My commitment to be there for you is equally strong. It will be a tough journey. I Pray. You guys are amazing. Thank you for everything.”
“We were referred to Mike Hall by a friend who told us that if they had used him in the beginning, they would have had a lot better result. Using Mike ourselves, we have had the same experience. Mike is very personable and gave us some very wise council. We could tell he was trying to help us. We have used him for several issues that have come up, and he has always handled them in a professional and timely manner. He is quick to answer emails or phone calls, and takes his time answering all of your questions. We are very pleased with his services and would highly recommend him to anyone who has a legal problem.”
“After a two and a half year battle, my son and I got the justice we longed for. The only quality that I didn’t like about Paige was that she was patient. Which, is a very good quality to have. However, hindsight being 20/20, I’m glad she was so patient. Paige and Ashley (her paralegal) were always in communication with me, and responded in a timely and appropriate manner. When opposing counsel started her antics and attempted to berate and take Paige’s eye off the prize, she didn’t allow it. I sincerely appreciate all they did for me and my son. I know my circumstances were extreme, but Paige looked out for the two of us. I highly recommend the law group, and will always be indebted to them.”
“This review is in regards to how attorney Martha Hall handled my cases. Before Martha Hall, I was taken advantage of in family court in Jefferson County and Effingham County with sub par attorneys that resulted in rulings that were unfair to me and created headaches and financial difficulties. I experienced three attorneys before Martha Hall. I never felt that I had equal representation in the courthouse, until I discovered Martha Hall. Since I have hired Martha Hall, I have had equal or better representation and my cases have closed with fair rulings. This is solely a result of having Martha Hall as my attorney. I will not change thus moving forward if I need any legal services. She is worth every penny.”
“I just have to say the professionalism and conduct of the Hall and Hall attorneys was fantastic from the time we walked in the door. We met Sarah then Mrs. Martha Hall. They were all very attentive and compassionate. Kara, our paralegal, was always there for us. She was always there via email or phone contact. We had a very sensitive legal case and Mrs. Martha Hall walked us through it with compassion and professionalism. I cannot say enough good things about this group or thank them enough for doing what needed to be done.”
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Chapter 13 is for someone with regular income, normally having fallen behind on monthly payments on cars, houses and other debts which are secured by collateral. It helps them make a repayment plan to get their debt under control. Chapter 13 bankruptcy lets you propose a plan to repay all or a portion of your debt in a three to five-year period through monthly payments.
The court will determine how long this period is. All bankruptcy payments are governed by your disposable income and the equity you may have in assets such as cars, houses, bank accounts, or other assets. Normally if your income is less than the median income level for Georgia, you have the option of a three to five year repayment plan. Below is the table for median income levels in Georgia.
In calculating income and expenses to determine the minimum payment required for individuals with income above the median level, the courts use a generic formula for determining expenses and income, this is called the “Means Test.” Excluded from this computation is social security benefits. In addition if you received aid from the CARES Act, this amount is also excluded.
Generally, no repayment plan can extend beyond five years. However, under the CARES Act enacted March 27, 2020, debtors operating under a confirmed plan as of that date, may extend their plan for up to seven years from the date the first payment was due under the confirmed plan. During this period, no debt collectors are allowed to bother you.
Call our Georgia Chapter 13 bankruptcy lawyers to find out more.
Unlike Chapter 7, you are not looking at the possibility of liquidating your assets in order to pay off your debt. You could have the option of saving your home or car if you file for Chapter 13 bankruptcy and avoid having a foreclose on your home or car. When you file, foreclosure and repossession proceedings will cease. But do note that you may have to continue to pay your mortgage on your house directly to the mortgage company while you are in the process of Chapter 13 bankruptcy. Car payments are typically included in the Chapter 13 payments made to the trustee.
Something you may be pleased to know is that Chapter 13 bankruptcy lets you reschedule your secured debts and extend/pay them out over a period of time.that extends beyond your repayment plan. This can result in lower and more manageable payments.
Download Bankruptcy ChecklistRegardless if you are self employed or you’re working for a company, you may be able to file for Chapter 13 bankruptcy as long as your debts are under $394,725 of unsecured debt and $1,184,200 of secured debt. Check with our Georgia Chapter 13 bankruptcy lawyer to see if these numbers have adjusted and if you are eligible for Chapter 13.
Hopefully you will start your case with the help of one of our Georgia Chapter 13 bankruptcy lawyers. It begins when you file your petition with the bankruptcy court. The petition details your assets, liabilities, debts, income, and a listing of financial matters predating two years before the filing.
You will to attend credit counseling session via the computer or phone. The certificate of credit counseling must be attached to the petition. From there you will provide your proposed repayment plan. You will have a trustee working on your case and you will have to provide them with your tax returns for the last two years.
There are some costs with filing for Chapter 13 bankruptcy. There is a $310235 fee for filing your case. You may be able to work with the court to pay this over a 120 day period after filing. There will not be more than four payments allowed to repay these fees, however, and it has to be totally paid off within 120 days after you file your bankruptcy petition. There may be some exceptions that grant you 180 days to pay back the fees, but it is something to discuss with one of our Georgia Chapter 13 bankruptcy lawyers.
You should be prepared to provide all information needed to the staff handling your case such as:
We get your pain. Debt is crushing and can make you feel overwhelmed. You deserve help through this difficult time. Our Georgia chapter 13 bankruptcy lawyers are here to guide you through your bankruptcy process and help you get your life back. Call today!
“Hall & Navarro Law Firm is the best law firm you will find!! Mrs. Hall, Mrs. Navarro and Mr. Hall are very professional and will bend over backwards to help you in anyway they can! There is no doubt that their clients come first and that they care for them!! Hall & Navarro is the only law firm I will ever use!!!!!”
– Jane Smith
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| Period | 1 Person | 2 People | 3 People | 4 People | 5 People | 6 People | 7 People | 8 People | Add’l |
|---|---|---|---|---|---|---|---|---|---|
| Year | $50,128 | $65,007 | $73,738 | $87,317 | $96,317 | $105,317 | $114,317 | $123,317 | $9,000 |
| 6 Months | $25,064 | $32,504 | $36,869 | $43,659 | $48,159 | $52,659 | $57,159 | $61,659 | $4,500 |
| Month | $4,117 | $5,417 | $6,145 | $7,276 | $8,026 | $8,776 | $9,526 | $10,276 | $750 |
| Semi Month | $4,117 | $5,417 | $6,145 | $7,276 | $8,026 | $8,776 | $9,526 | $10,276 | $750 |
| Bi Week | $1,928 | $2,500 | $2,836 | $3,358 | $3,705 | $4,051 | $4,397 | $4,743 | $346 |
| Week | $964 | $1,250 | $1,418 | $1,679 | $1,852 | $2,025 | $2,198 | $2,371 | $173 |