Declaring Chapter 13 Bankruptcy

What is Chapter 13 Bankruptcy?

The two most common ways for individuals to file for bankruptcy in the United States are by Chapter 13 or Chapter 7 bankruptcy.

Reasons to File for Chapter 13

Many debts under Chapter 13 bankruptcy are reorganized and can be repaid over a three-to-five year period. This allows income-receiving individuals the opportunity to pay off debts systematically and under court supervision, unlike Chapter 7 bankruptcies. Court-approved repayment plans under Chapter 13 bankruptcy are based on:

  • Daily living expenses for shelter, food, utilities, medical care, clothing, transportation, etc.
  • Gross monthly income
  • Nature and amount of debts
  • The value of non-exempt personal property

How Can a Bankruptcy Attorney Help?

Many individuals who file for Chapter 13 bankruptcy experience relief from the constant stress of collection efforts. Chapter 13 bankruptcy can halt foreclosure proceedings, prevent repossession of your car, stop creditor harassment, pause a debt collection lawsuit, and more. Burrow & Associates has helped thousands of consumers file for Chapter 13 bankruptcy since 1996.

One of our paralegals or attorneys will review your eligibility for Chapter 13 during our free consultation. Our bankruptcy attorneys can assess your situation and determine the best course of action for you.

What Should I Do Next?

We have years of experience filing Chapter 13 bankruptcy, with more than 14,000 bankruptcy filings to date and counting. Give us a call at (678) 323-2394 or request a consultation today. We are conveniently located in cities around the state of Georgia in Athens, Conyers, Duluth and Morrow.


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