Chapter 13 Timeline


Freedom From Debt in 3 Months

Atlanta Lawyers Helping You with Bankruptcy From the Beginning to the End

If you are buried in debt and are considering bankruptcy, you would probably like to know about filing for Chapter 13 in Atlanta or other Georgia cities, and how long the entire procedure takes. To get through the initial petitioning process takes from four to six months, usually, and since Chapter 13 is a debt reorganization form of bankruptcy, you will be making payments according to a payment plan for three to five years. That’s it.

Our Atlanta based Chapter 13 bankruptcy attorneys can help you through the entire process. At The Slomka Law Firm, we will be there for you from the free initial consultation to the final discharge.

Chapter 13 Bankruptcy Timeline

The timeline for filing Chapter 13 in Atlanta is, in many ways, quite similar to the Chapter 7 bankruptcy process, with a few extra steps and a lot more complication that we will handle for you:

  • Right away: Contact us for a free initial consultation when you need help with bankruptcy in Atlanta or other cities across Georgia. We will set you up with the first of two mandatory credit counseling sessions and prepare all of the documentation for filing with the court.
  • During the weeks after filing: We will be compiling and submitting many documents on your behalf regarding your debts, your assets and the repayment plan. This is why you need an experienced bankruptcy attorney. This aspect of filing for Chapter 13 bankruptcy in Georgia is quite complicated.
  • One month after filing: We will have a meeting with the trustee and a confirmation hearing with the judge.

The Chapter 13 filing process in Atlanta and other Georgia cities is different from the Chapter 7 process in that have a meeting with the trustee, but only Chapter 13 requires a confirmation hearing with the judge. You will most likely not even have to attend that meeting with the judge, though. We are usually able to negotiate with the creditors and come up with a plan that the judge will confirm without the client needing to show up for these meetings.

  • Within 45 days from filing Chapter 13: This is the second credit counseling course. One thing our clients appreciate is that the fee they pay us for help with bankruptcy in Atlanta or other Georgia cities includes all of the administrative costs of the credit counseling sessions. Most law firms don’t pay for your credit counseling.
  • Approximately four to six months after the initial filing: Discharge! You get a fresh start, a chance to hit the reset button on your finances. In a Chapter 13 bankruptcy filing, you will be making payments to the trustee according to the repayment plan for three to five years, but this date represents the first step towards financial freedom.

Georgia Debt Repayment Plan Attorney • (678) 732-0001

If you would like to know more about help with bankruptcy in Atlanta, or would like to discuss some debt-relief alternatives to bankruptcy, either call one of our Georgia offices or contact us online. We offer a free initial consultation.