Best Chapter 13 Bankruptcy Lawyer in Atlanta: Expert Legal Guidance for Financial Relief

When you face overwhelming debt, finding the right legal representation can make a significant difference in your financial future.

Chapter 13 bankruptcy offers a path to reorganize your debts and create a manageable repayment plan, but you need expert guidance to navigate this complex process.

Clark & Washington, Attorneys at Law specializes in Chapter 13 bankruptcy cases and can provide you with the support and expertise needed to navigate this challenging process. Their team of experienced lawyers understands the intricacies of bankruptcy law and can help you develop a tailored strategy to address your unique financial situation.

By choosing a reputable bankruptcy attorney in Atlanta, you can take the first step towards regaining control of your finances and securing a more stable future.

1) Smith & Uhl LLP

A lawyer's office with a desk, computer, and law books.</p><p>Atlanta skyline visible through the window

Smith & Uhl LLP is a respected bankruptcy law firm in Atlanta, Georgia.

They specialize in Chapter 13 bankruptcy cases, offering expert guidance to individuals facing financial difficulties.

The firm’s attorneys have extensive experience in helping clients navigate the complex bankruptcy process.

They understand the intricacies of Chapter 13 filings and work diligently to protect your assets and rights.

When you choose Smith & Uhl LLP, you benefit from their personalized approach.

They take the time to assess your unique financial situation and develop a tailored strategy to address your specific needs.

The lawyers at Smith & Uhl LLP are known for their attention to detail and thorough preparation of bankruptcy petitions.

This meticulous approach helps ensure a smoother process for you as you work towards financial recovery.

Communication is a priority at Smith & Uhl LLP.

They keep you informed at every stage of your case, explaining complex legal terms in easy-to-understand language.

The firm’s dedication to client success extends beyond the courtroom.

They provide valuable advice on financial management and debt restructuring to help you regain control of your finances.

2) The Law Office of Clark & Washington

Clark & Washington is a prominent bankruptcy law firm in Atlanta with over 30 years of experience.

They specialize in Chapter 13 bankruptcy cases, providing expert guidance and support throughout the court-ordered debt repayment process.

The firm’s team of highly qualified attorneys is committed to helping you navigate the complexities of bankruptcy law.

They offer personalized attention to each client, ensuring you receive the best possible outcome for your financial situation.

Clark & Washington has 12 convenient locations across Atlanta, making it easy for you to access their services.

Their offices are open Monday through Saturday, accommodating your busy schedule.

When you choose Clark & Washington, you benefit from their extensive knowledge of local bankruptcy laws and procedures.

Their attorneys are members of prestigious organizations, including the Bankruptcy Section of the Atlanta Bar Association and the National Association of Chapter 13 Trustees.

The firm offers free initial consultations, allowing you to discuss your case without financial obligation.

You can easily schedule an appointment online or speak with a live agent by calling their offices.

Clark & Washington’s attorneys will guide you through the entire Chapter 13 bankruptcy process, from filing to debt repayment plan implementation.

They will work diligently to protect your assets and help you regain financial stability.

3) Berry & Associates

Berry & Associates is a well-established law firm in Atlanta specializing in bankruptcy cases.

They offer experienced legal representation for individuals considering Chapter 13 bankruptcy in Georgia.

The firm provides free, confidential consultations to assess your financial situation.

You can schedule a meeting at one of their North Georgia offices to discuss your options.

Berry & Associates has extensive experience handling both Chapter 7 and Chapter 13 bankruptcy cases.

Their attorneys can help determine which type of bankruptcy best suits your circumstances.

The firm’s founder, Matthew T. Berry, is recognized as a top-rated bankruptcy attorney in Atlanta.

He brings decades of experience to help clients navigate the complexities of Chapter 13 filings.

When you work with Berry & Associates, you’ll receive personalized attention and guidance throughout the bankruptcy process.

They aim to help you build a brighter financial future.

The firm has multiple office locations in North Georgia for your convenience.

You can easily reach out to schedule a consultation by phone or through their online contact form.

Berry & Associates is committed to providing quality legal representation in Chapter 13 cases.

They strive to help you achieve debt relief and regain financial stability.

4) Kissiah & Lay

A sleek office building in downtown Atlanta with a prominent sign reading "Kissiah & Lay Best chapter 13 bankruptcy lawyer."

Kissiah & Lay is a reputable law firm in Alpharetta, GA, specializing in bankruptcy cases. Established in 1989, this firm has built a strong reputation for providing quality legal services.

You can trust Kissiah & Lay’s expertise in handling Chapter 13 bankruptcy cases.

Their attorneys have extensive experience in helping clients navigate the complex bankruptcy process.

The firm has received the highest possible rating for legal ability and adherence to ethical standards from Martindale-Hubbell.

This AV rating reflects their commitment to providing excellent legal representation.

When you choose Kissiah & Lay, you’re selecting a firm with a clear mission.

They strive to offer the best possible legal representation in workers’ compensation and other areas of law.

Their long-standing presence in the legal community speaks to their reliability and success in handling bankruptcy cases.

You can feel confident in their ability to guide you through your Chapter 13 bankruptcy proceedings.

Kissiah & Lay’s attorneys understand the stress and complexity of financial difficulties.

They aim to provide you with personalized attention and effective strategies to help resolve your debt issues.

Consider reaching out to Kissiah & Lay for a consultation if you’re facing bankruptcy.

Their experienced team can assess your situation and advise you on the best course of action for your financial future.

5) E. Orum Young Law Offices

A modern office building with the sign "E. Orum Young Law Offices" prominently displayed, set against the Atlanta skyline

E. Orum Young Law Offices is a bankruptcy law firm located in Monroe, Louisiana.

While not based in Atlanta, they have extensive experience in handling Chapter 13 bankruptcy cases.

The firm has been helping clients with debt problems for over three decades.

Their attorneys specialize in bankruptcy law and have filed more than 20,000 cases.

E. Orum Young Law prides itself on providing personalized attention to each client.

You can expect top-rated representation from their experienced team of bankruptcy attorneys.

When you work with E. Orum Young Law, you’ll receive guidance on creating the best financial plan for your future.

Their attorneys focus on helping you repay parts of your debt using your income through Chapter 13 bankruptcy.

Communication is a key aspect of their service.

You’ll have the opportunity to discuss your financial situation and goals with their attorneys to determine the most suitable approach for your case.

The firm’s main office is located at 200 Washington Street in Monroe, LA.

While they may not be the closest option for Atlanta residents, their expertise in Chapter 13 bankruptcy could make them worth considering if you’re looking for experienced representation.

6) GM Law Firm, LLC

GM Law Firm, LLC is a reputable bankruptcy law firm serving Atlanta residents.

Their experienced attorneys specialize in Chapter 13 bankruptcy cases, providing personalized guidance through the complex legal process.

When you choose GM Law Firm, you’re selecting a team dedicated to helping you regain financial stability.

Their attorneys work closely with you to develop a tailored repayment plan that fits your unique situation.

The firm’s expertise extends beyond just filing paperwork.

They negotiate with creditors on your behalf and represent you in court proceedings.

This comprehensive approach ensures that your rights are protected throughout the bankruptcy process.

GM Law Firm understands the stress associated with financial difficulties.

Their compassionate staff offers support and clear communication, keeping you informed at every step.

You can rely on their knowledge to navigate the intricacies of Chapter 13 bankruptcy law.

The firm’s track record of successful cases speaks to their effectiveness in helping clients overcome debt.

They strive to provide efficient and cost-effective legal services, recognizing the importance of affordability during challenging financial times.

By choosing GM Law Firm, you gain access to attorneys who stay updated on the latest bankruptcy laws and regulations.

This ensures that your case benefits from current legal strategies and interpretations.

7) The W. Crabtree Law Firm

When seeking expert legal guidance for Chapter 13 bankruptcy in Atlanta, The W. Crabtree Law Firm stands out as a reputable choice.

With years of experience in bankruptcy law, this firm offers personalized attention to your unique financial situation.

Attorney Robert W. Crabtree leads the firm with a deep understanding of Chapter 13 bankruptcy intricacies.

You can expect comprehensive support throughout the entire process, from initial consultation to case resolution.

The firm’s approach focuses on helping you create a manageable repayment plan tailored to your specific circumstances.

They work diligently to protect your assets while negotiating with creditors on your behalf.

At The W. Crabtree Law Firm, you’ll find a team dedicated to guiding you through the complexities of bankruptcy law.

They strive to make the process as smooth and stress-free as possible, ensuring you understand each step along the way.

The firm’s commitment to client satisfaction is evident in their attentive communication and thorough case preparation.

You can rely on their expertise to navigate the challenging terrain of Chapter 13 bankruptcy with confidence.

8) Price Law Group

A lawyer's office with a sign reading "Price Law Group Best chapter 13 bankruptcy lawyer in Atlanta" prominently displayed

Price Law Group is a well-established bankruptcy law firm with a strong presence in Atlanta.

Their team of experienced attorneys specializes in Chapter 13 bankruptcy cases, providing personalized guidance to clients facing financial difficulties.

You can expect compassionate and professional representation when working with Price Law Group.

Their attorneys take the time to understand your unique financial situation and develop a tailored strategy to help you achieve debt relief.

The firm’s expertise extends beyond just filing for bankruptcy.

They offer comprehensive support throughout the entire Chapter 13 process, from the initial consultation to debt discharge.

This includes assistance with creditor negotiations, court appearances, and financial planning.

Price Law Group’s attorneys are known for their in-depth knowledge of Georgia bankruptcy laws.

They stay up-to-date with the latest legal developments to ensure you receive the most current and effective advice for your case.

Clients appreciate the firm’s transparent communication and accessibility.

You’ll be kept informed at every stage of your bankruptcy proceedings, with your questions answered promptly and thoroughly.

The firm’s track record of successful Chapter 13 cases in Atlanta speaks to their effectiveness.

Many clients have successfully reorganized their debts and regained financial stability with Price Law Group’s guidance.

9) DebtStoppers

DebtStoppers is a bankruptcy law firm with an office in Atlanta, Georgia.

They specialize in helping individuals and families navigate the complexities of Chapter 13 bankruptcy.

Their experienced attorneys can assist you in creating a customized payment plan to manage your debts.

This approach allows you to keep your assets while working towards financial stability.

DebtStoppers offers free personal debt evaluations to assess your financial situation.

During this consultation, they can help you determine if Chapter 13 bankruptcy is the right solution for your needs.

The firm has a proven track record of assisting thousands of Georgia families with their bankruptcy cases.

Their lawyers are well-versed in local bankruptcy laws and procedures.

You can reach out to DebtStoppers by calling or texting 678-673-2142 to schedule your free debt evaluation.

Their Atlanta office is equipped to handle your case and guide you through the bankruptcy process.

DebtStoppers aims to provide you with a fresh financial start.

Their attorneys work diligently to help you understand your options and make informed decisions about your financial future.

10) Simmons & Associates

Simmons & Associates is a respected bankruptcy law firm in Atlanta.

They specialize in Chapter 13 bankruptcy cases and have helped numerous clients navigate financial difficulties.

The firm’s attorneys possess extensive experience in bankruptcy law.

They understand the complexities of Chapter 13 filings and can guide you through the process step-by-step.

When you choose Simmons & Associates, you’ll benefit from personalized attention.

Their lawyers take the time to assess your unique financial situation and develop tailored strategies to help you achieve debt relief.

The firm offers free initial consultations.

This allows you to discuss your case with a knowledgeable attorney without any financial commitment upfront.

Simmons & Associates prioritizes clear communication.

They explain legal concepts in easy-to-understand terms, ensuring you’re informed throughout your bankruptcy proceedings.

The firm’s attorneys are skilled negotiators.

They work diligently to secure favorable terms with creditors and create manageable repayment plans that suit your budget.

Simmons & Associates maintains a strong reputation in the Atlanta legal community.

Their dedication to client success has earned them positive reviews from many satisfied individuals and families.

You can contact Simmons & Associates to schedule a consultation and learn more about how they can assist you with your Chapter 13 bankruptcy case.

11) Law Offices of Charles Clapp

Charles M. Clapp is the founder of CMC Law, a bankruptcy law firm in Atlanta specializing in Chapter 7 and Chapter 13 bankruptcy cases.

With his extensive experience, you can trust Mr. Clapp to provide skilled legal representation for your bankruptcy needs.

Mr. Clapp’s legal career began as a trial lawyer in Atlanta, where he focused on protecting the rights of indigent clients.

This background has given him a unique perspective on the challenges faced by individuals and small businesses dealing with financial difficulties.

At CMC Law, you’ll find a team dedicated to helping you navigate the complexities of bankruptcy law.

They offer aggressive legal representation and debt relief services tailored to your specific situation.

The Law Offices of Charles Clapp can assist you with both consumer and small business bankruptcy cases.

Whether you’re considering Chapter 7 or Chapter 13 bankruptcy, their expertise can guide you through the process.

You can expect personalized attention and a commitment to achieving the best possible outcome for your financial situation. Mr. Clapp’s approach combines legal knowledge with a deep understanding of the emotional and practical challenges of bankruptcy.

If you’re facing garnishments, foreclosures, or repossessions, the Law Offices of Charles Clapp can help you explore your options.

They offer free consultations to discuss your case and determine the most appropriate course of action.

12) Cohen & Burnett

Cohen & Burnett is a respected law firm in Atlanta specializing in Chapter 13 bankruptcy cases.

Their experienced attorneys are dedicated to helping clients navigate the complex bankruptcy process.

When you work with Cohen & Burnett, you’ll receive personalized attention and guidance tailored to your unique financial situation.

Their team understands the stress and uncertainty that come with financial difficulties.

The firm’s lawyers will explain your options clearly, helping you make informed decisions about your financial future.

They’ll assist you in developing a repayment plan that works for your budget and goals.

Cohen & Burnett’s attorneys are known for their thorough approach to each case.

They’ll carefully review your assets, debts, and income to ensure your Chapter 13 filing is as strong as possible.

You can expect prompt communication and regular updates throughout the bankruptcy process.

The firm’s staff is always available to answer your questions and address any concerns you may have.

With Cohen & Burnett on your side, you’ll have experienced advocates fighting to protect your rights and interests.

They’ll work diligently to help you achieve the best possible outcome in your Chapter 13 bankruptcy case.

13) King & King Law LLC

King & King Law LLC is a prominent bankruptcy law firm in Atlanta, Georgia.

They specialize in helping clients navigate the complexities of Chapter 13 bankruptcy.

The firm’s experienced team of attorneys understands the intricacies of bankruptcy law.

They work diligently to achieve the best possible outcome for each client’s unique situation.

When you’re facing overwhelming debt, King & King Law LLC can provide the guidance you need.

Their attorneys are ready to assist you in exploring your options and finding a path to financial stability.

The firm offers free consultations to discuss your case.

This allows you to understand your rights and potential solutions before making any commitments.

King & King Law LLC has been serving the Atlanta community for over 45 years.

Their longevity speaks to their expertise and commitment to client satisfaction.

The attorneys at King & King recognize the stress and anxiety that come with financial difficulties.

They strive to make the bankruptcy process as smooth and straightforward as possible for their clients.

Located in downtown Atlanta, King & King Law LLC is easily accessible.

You can reach out to them at 404-524-6400 to schedule a consultation and take the first step towards regaining control of your finances.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy offers a structured approach to managing debt while retaining assets.

It provides a path for individuals with regular income to reorganize their finances and repay creditors over time.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a legal process that allows individuals to create a repayment plan to pay off their debts over 3 to 5 years.

Unlike Chapter 7, it doesn’t require liquidating assets.

Instead, you can keep your property while making monthly payments to a court-appointed trustee.

This type of bankruptcy is often called a “wage earner’s plan” because it’s designed for those with regular income.

It can help you catch up on missed mortgage payments, stop foreclosure proceedings, and potentially reduce the amount owed on certain debts.

Chapter 13 bankruptcy attorneys can guide you through the complex process and help determine if it’s the right option for your situation.

Eligibility Requirements

To file for Chapter 13 bankruptcy, you must meet specific criteria:

  • Have a regular income source
  • Unsecured debts less than $419,275
  • Secured debts less than $1,257,850
  • Be current on tax filings
  • Not have filed for bankruptcy in the recent past

You’ll need to complete credit counseling from an approved provider within 180 days before filing.

This requirement helps ensure you’ve explored all alternatives before proceeding with bankruptcy.

It’s crucial to consult with a qualified bankruptcy attorney to assess your eligibility and understand the implications of filing.

The Repayment Plan

The cornerstone of Chapter 13 bankruptcy is the repayment plan.

You’ll propose a plan to pay your creditors over 3 to 5 years, depending on your income level.

Here’s what you need to know:

  • Priority debts (like taxes and child support) must be paid in full
  • Secured debts may be paid over the life of the plan
  • Unsecured debts may receive partial payment

Your plan must allocate all of your disposable income to debt repayment.

The trustee distributes your payments to creditors according to the approved plan.

If you successfully complete the plan, remaining eligible debts are discharged.

This can provide a fresh financial start while allowing you to keep important assets like your home.

Choosing the Right Chapter 13 Bankruptcy Lawyer

Finding a skilled Chapter 13 bankruptcy attorney is crucial for navigating the complex legal process and achieving a successful outcome.

A qualified lawyer can help you create an effective repayment plan and protect your assets.

Qualities to Look For

When selecting a Chapter 13 bankruptcy lawyer, prioritize experience and expertise in bankruptcy law.

Look for an attorney who specializes in Chapter 13 cases and has a proven track record of successful outcomes.

Communication skills are essential.

Your lawyer should be able to explain complex legal concepts in simple terms and keep you informed throughout the process.

Consider the attorney’s reputation.

Read client reviews and check their standing with the local bar association.

Availability is crucial.

Choose a lawyer who is responsive to your needs and can dedicate sufficient time to your case.

Questions to Ask Your Lawyer

Before hiring a Chapter 13 bankruptcy attorney, ask about their specific experience with cases similar to yours.

Inquire about their success rate in getting repayment plans approved.

Discuss fees upfront.

Ask about their billing structure and whether they offer payment plans.

Inquire about their approach to handling Chapter 13 cases.

A good lawyer will explain the process and potential outcomes clearly.

Ask about alternatives to bankruptcy.

A reputable attorney will discuss all options before recommending Chapter 13.

Finally, ask about their communication style and how often you can expect updates on your case.

Benefits of Hiring a Chapter 13 Bankruptcy Lawyer in Atlanta

When facing financial difficulties, seeking professional legal assistance can significantly improve your chances of a successful bankruptcy filing.

A skilled attorney can provide local expertise and develop a personalized strategy tailored to your unique situation.

Local Expertise

An Atlanta-based Chapter 13 bankruptcy lawyer possesses in-depth knowledge of Georgia’s bankruptcy laws and local court procedures.

This familiarity allows them to navigate the complexities of your case more efficiently.

You’ll benefit from their established relationships with local trustees and judges.

These connections can prove invaluable during negotiations and court proceedings.

Your attorney will be well-versed in Atlanta’s economic landscape, understanding how local factors may impact your financial situation.

This insight enables them to craft a more effective repayment plan that aligns with your specific circumstances.

Personalized Legal Strategy

A Chapter 13 bankruptcy lawyer will analyze your financial situation thoroughly to develop a tailored approach.

They’ll assess your income, debts, and assets to determine the most advantageous repayment plan for you.

Your attorney will help you understand the benefits of Chapter 13 bankruptcy, such as the potential to save your home from foreclosure or catch up on past-due mortgage payments.

They’ll guide you through the complex paperwork, ensuring all documents are accurately completed and filed on time.

This attention to detail can prevent costly errors that might delay or jeopardize your case.

Your lawyer will represent you in court hearings and negotiations with creditors, protecting your rights and interests throughout the bankruptcy process.

Frequently Asked Questions

Selecting the right Chapter 13 bankruptcy attorney in Atlanta requires careful consideration of several key factors.

Understanding these elements can help you make an informed decision and navigate the bankruptcy process more effectively.

What qualifications should I look for in a Chapter 13 bankruptcy attorney in Atlanta?

You should seek an attorney with specific expertise in Chapter 13 bankruptcy cases.

Look for lawyers certified by the American Board of Certification in Consumer Bankruptcy Law.

Experience handling cases similar to yours is crucial.

Firms like Smith & Uhl LLP often have attorneys with extensive bankruptcy experience.

Check the lawyer’s track record and client testimonials to gauge their expertise.

How can I assess the success rate of a bankruptcy lawyer for Chapter 13 cases?

Ask potential attorneys about their success rates in Chapter 13 cases.

Inquire about the percentage of their clients who successfully complete their repayment plans.

Request references from past clients with similar financial situations.

The Law Office of Clark & Washington may provide information on their case outcomes.

Remember that success rates can vary depending on individual circumstances.

What are the factors that contribute to the cost of hiring a bankruptcy attorney in Atlanta?

Attorney fees in Atlanta can vary based on case complexity, the lawyer’s experience, and the firm’s reputation.

Some attorneys charge flat fees, while others bill hourly.

Additional costs may include filing fees and credit counseling expenses.

Discuss fee structures upfront with potential lawyers to avoid surprises.

Some firms offer payment plans to make their services more accessible.

Can a bankruptcy lawyer assist with a no money down Chapter 13 filing?

Some Atlanta bankruptcy attorneys offer “no money down” Chapter 13 filings.

This option allows you to include attorney fees in your repayment plan.

Be aware that not all lawyers provide this service, and terms may vary.

Firms like Berry & Associates might offer flexible payment options.

Discuss this possibility during your initial consultation with potential attorneys.

How frequently is one permitted to file for Chapter 13 bankruptcy in Georgia?

In Georgia, you can file for Chapter 13 bankruptcy as often as needed.

However, there are time restrictions if you’ve previously filed for bankruptcy.

You must wait two years after a previous Chapter 13 discharge and four years after a Chapter 7 discharge.

What are the pros and cons of filing for Chapter 13 bankruptcy?

Filing for Chapter 13 bankruptcy allows you to keep your assets while repaying debts over 3-5 years.

It can stop foreclosure and provide a structured repayment plan.

This option may help you catch up on mortgage payments and reduce some debts.

On the downside, Chapter 13 requires a long-term commitment to a strict budget.

Your credit score will be impacted, and you may face restrictions on obtaining new credit during the repayment period.