Cobb County Bankruptcy Debt Relief

Overwhelmed with debt? Call us today at 678-354-2290



In some cases, filing for Chapter 13 bankruptcy can be the option that most suits the debt situation. Those who earn a paycheck, either as an employee or as a self-employed individual, benefit from Chapter 13. Many individuals cannot qualify for Chapter 7 bankruptcy due to their level of income or the value of their assets. If you are facing crushing debt, you critically need legal representation from an attorney who can help you understand Chapter 13 bankruptcy.

This Chapter brings huge relief people facing debt-related problems. It gives you the opportunity to pay off back debt over a period of years, usually within a three to five year window. Moreover, the amount owed is often reduced and the payments are often lower. Additionally, the constant creditor calls and letters will stop because the court will ensure that creditors know that you are in Chapter 13. Therefore, they are required to stop contacting you regarding your outstanding debt.


If you are facing a home foreclosure, chapter 13 may be a good option. This form of bankruptcy could give you time to deal with a loan modification and avoid losing your home. If you have overdue mortgage payments, you are usually given the opportunity to handle the outstanding payments over time. Thus, once the filing is in process, all creditor problems will be “on hold” due to a legal “stay” of collection actions. This can last for several months, giving you time to resolve mortgage problems.

At Blevins & Hong, P.C., our Marietta bankruptcy attorneys can direct you to firms that will address the loan modification issue. Therefore, if a short sale or deed in lieu will benefit you, an attorney will direct you to capable and fast-moving organizations that will assist you in resolving these issues. Filing for Chapter 13 bankruptcy can give you and your loved ones the relief that you need when facing dire financial situations.

Is Chapter 13 Bankruptcy Right For You?

You must have a steady income to qualify for Chapter 13 bankruptcy. Thus, some call it the wage earner’s bankruptcy option. To qualify for this type of bankruptcy, you are required to repay a percentage of your debts by making payments over a specific period. Our charge for processing and filing your application is $381, which includes the filing fee of $281 and an administrative fee of $100. The attorney’s fees are paid in the plan.

Payment Plans for Chapter 13

There are many factors determining your payment plan, including its length and the payment amount. Because the payment plan is so complicated, you will not be successful in producing your own plan. In addition to expenses and income, debts and assets must be taken into consideration. Moreover, the plan typically lasts between three and five years. You may be responsible for additional filing fees or have your case dismissed completely if you miss a payment deadline or make a mistake. Therefore, we highly recommend using the services of an experienced Marietta GA bankruptcy attorney who can help you to avoid any extra costs or delays by making sure everything is correct and accurate.

One advantage of the payment plan is the automatic stay, meaning that the law requires all those annoying calls and letters from your creditors to stop. Any balance left on your unsecured debts will be discharged once you have finished your payment plan, and your creditors won’t be able to ask you for money as you no longer have to pay those debts.

Chapter 13 Bankruptcy and Foreclosure Protection

If you are a Cobb County homeowner behind on your mortgage payments, you have the means to prevent foreclosure and perhaps keep your home. You can potentially keep your home and catch up on the missing mortgage payments by having the amount you are behind included in your payment plan.

Stripping a Second Mortgage

You may be able to strip away the second mortgage if you are a Cobb County resident with a home equity line or second mortgage. That is another advantage of the bankruptcy payment plan. The second mortgage holder is legally not allowed to ask you for the missing balance on the payments, and you will never have to pay the second mortgage. The above can also apply to anyone who owes more on their home than it is worth.

You will be 100 percent clear and free of all your unsecured debts once the payment plan has been paid in full. However, remember that during the payment period you will not be able to incur any new debts, and you will most likely have to put any tax return towards the payment amount.

Still have questions? Get answers!

If you are a Cobb County or Marietta GA resident and are thinking of filing for Chapter 13, we can help you. Email us or call us on 678-354-2290 to see if Chapter 13 is right for you and to take advantage of our weekend and evening appointments. If you can’t come to the office, we offer on-line and phone consultations.

With the assistance and legal advice from our attorneys, you can address your financial problems legally. Call today, and get ready to move on to a fresh start without the ongoing stress of being hounded by creditors and worrying about your life after bankruptcy. Our firm offers a free initial consultation to discuss your case, so contact Blevins & Hong, P.C. today.



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Sunday Closed