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770-993-1005

11175 Cicero Drive, Suite 100 | Alpharetta, GA 30022

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Charlton & Glover P.C.

Charlton & Glover P.C.

Atlanta Family Law & Divorce Attorney

  • Our Firm
    • Martin Grayson Charlton, Esq.
    • Patricia S. Glover, Esq.
  • Bankruptcy Lawyer
    • Chapter 7 Bankruptcy Attorney
    • Chapter 13
  • Wills & Probate
  • Criminal Defense
  • Mediation
  • Contact
  • Blog

Chapter 13

Chapter 13 Bankruptcy Attorneys Roswell Georgia

If we analyze your assets, debts, income and expenses and determine that you do not qualify for Chapter 7 or that it is not the best option in your situation, you may still be eligible for a Chapter 13 repayment plan. Some of the reasons that Chapter 13 bankruptcy may be more appropriate include the following:

  • Delinquent mortgage payments
  • Failure to qualify for Chapter 7 under the means test
  • Substantial non-exempt assets
  • Insufficient time has passed since a Chapter 7 discharge

Debtors who are behind on their mortgage often will use a Chapter 13 bankruptcy repayment plan to repay mortgage payment arrearages. This allows someone facing the prospect of foreclosure to spread mortgage payment arrearage over a 3 to 5 year plan while keeping up with the current mortgage payment. The Chapter 13 bankruptcy plan will include amounts payable to secured creditors, certain priority unsecured creditors and non-priority unsecured creditors. While arrearages on secured debts and priority unsecured debts, which include obligations like unpaid employee wages and family court obligations, must be paid in full, the balance remaining on unsecured non-priority debts is discharged at the completion of your Chapter 13 bankruptcy plan much like in Chapter 7. The Chapter 13 bankruptcy process is much more complicated than Chapter 7 so it is important to retain an experienced Chapter 13 bankruptcy attorney.

Whether you are an individual, business, debtor or creditor or you need a consumer Chapter 13 bankruptcy or an organization under Chapter 11, our experienced and dedicated Chapter 13 bankruptcy team of Roswell attorneys can guide you successfully through the bankruptcy process as we have hundreds upon hundreds of others. Our Chapter 13 bankruptcy attorneys in Roswell provide effective bankruptcy legal representation to clients in Georgia cities throughout the Atlanta metro area and surrounding areas.

To learn more about bankruptcy laws in the state of Georgia please visit http://www.ganb.uscourts.gov

Helpful Links

  • Chapter 13 Actions
  • Chapter 13 Bankruptcy in Georgia
  • US Bankruptcy Court, Northern District of Georgia Website
  • Trustee Information

Chapter 13 Trustees Offices

  • Melissa J. Davey
  • Mary Ida Townson
  • Nancy J. Whaley

Credit Bureaus

  • https://www.equifax.com/personal/
  • https://www.experian.com/
  • https://www.transunion.com/

United States Bankruptcy Court Bankruptcy Basics

  • https://www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics
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Testimonials

"Charlton & Glover have handled bankruptcy, DUI, divorce, personal injury, and criminal defense cases for me and have done an excellent job" ...

Mike

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"I had just had probably the worst year financially speaking. I was paying several mortgages, had lost my business and had a massive amount of unexpected health related expenses and credit card bills. I could only see one" ...

Frank E.

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"After coming home from the military, I had financial issues that I had let get out of control. I didn’t know what to do, so I did some research online for legal assistance. Patricia has an awesome reputation in our community, so I scheduled a consult. My first impression was "I am dealing with a real person" ...

Chris

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770-993-1005

11175 Cicero Drive, Suite 100
Alpharetta, GA 30022


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Our Legal Services

  • Criminal Defense
  • Bankruptcy
  • Wills & Probate
  • Mediation
  • Arbitration

About Us

Charlton & Glover, located in Alpharetta, GA, was founded in 1994 by Martin G. Charlton and Patricia S. Glover, attorneys who have been practicing since 1983 and 1988, respectively. Our experienced attorneys will work one-on-one with you to get the attention you deserve, whether it involves Criminal Defense, Wills & Probate, or any other legal issue.

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