Compassionate Legal Care

Chapter 13

McDonough Chapter 13 Bankruptcy Attorney

Relieving Debt through Chapter 13 Bankruptcy in Macon 

If you are struggling to keep up with car, home, or other payments, Chapter 13 bankruptcy may offer those who qualify an opportunity to restructure or possibly reduce debt. Attorney Lisa M. Roberts, P.C. is well-versed in all areas of bankruptcy law, including Chapter 13. With more than 15 years of experience helping clients throughout McDonough, Macon, and beyond, our firm can assist you in eliminating debt, keeping your well-earned property, and covering you with the protections afforded through Chapter 13 bankruptcy.

Benefits of Filing for Chapter 13 Bankruptcy

Under Chapter 13 of the bankruptcy code, those who qualify can restructure their debt into a manageable monthly payment plan in which you are responsible for paying back anywhere from 1 percent to 100 percent of what you owe. Under this plan, and as long as you are able to stay current with your payments, you will not lose your house, your vehicle, or other personal property.

You qualify for Chapter 13 if:

  • You have enough income to meet and keep up with an approved repayment plan
  • Any secured debts (including your mortgage) do not exceed $1,081,400 and all unsecured debts (like credit card balances) total no more than $360,475
  • You are current with your annual income tax filings

Our McDonough bankruptcy lawyer has extensive experience helping people through Chapter 13 bankruptcy. Attorney Lisa M. Roberts and her friendly, professional staff will take the time to answer any questions you have about the process. We listen carefully to your concerns and help you set attainable goals. If Chapter 13 is not right for you, we help you determine if Chapter 7 bankruptcy better suits your unique circumstances and financial needs.

Protect Your Assets with Chapter 13 

Chapter 13 bankruptcy is designed for people who have the means to pay back their creditors but need some time to do so. Once the Chapter 13 petition has been filed, your house and other property are protected from creditors through an automatic stay. Though this is a temporary action, it will also put an end to creditor harassment, taking one of the most stressful aspects of debt off of your shoulders. 

Furthermore, as long as you keep to your arranged payment schedule, your property is safeguarded. When you sit down with Attorney Lisa M. Roberts to discuss your situation during a confidential and complimentary consultation, you gain insight, information, and immediate peace of mind.

If you are interested in debt reorganization through Chapter 13 bankruptcy, we can help you explore your options. We have two office locations in McDonough and Macon for your convenience and provide Spanish-speaking legal services. 

Call our firm at (678) 509-6170 or contact Attorney Lisa M. Roberts, P.C. online today. Because you deserve a second chance, call for your free initial consultation with a skilled McDonough Chapter 13 bankruptcy attorney today.