Chapter 13 Bankruptcy Lawyer in Lawrenceville, GA

Comprehensive Debt Relief Options for Atlanta Residents

Chapter 13 bankruptcy is a structured, low-interest, often interest-free debt repayment plan that lets you consolidate your debts and repay qualifying balances over three to five years. Chapter 13 bankruptcy in Lawrenceville allows you to restructure your debt and keep your property while you make payments, free from the risk of foreclosure or repossession. Creditors must follow the terms of your federal court-approved repayment plan. When you complete your payment plan, remaining eligible debts are discharged. To qualify, you need a consistent income for the court to approve your Chapter 13 payment plan.

At The Ballard Law Group, we have guided many clients in Lawrenceville and the Atlanta area through the Chapter 13 process. Many situations can lead to financial difficulties, and often these happen outside your control. Our chapter 13 bankruptcy attorney in Lawrenceville focuses on the solution ahead—helping you address your financial issues so you can move forward. If you’re considering your options, acting early opens more paths to debt relief. Our attorney team will review your unique circumstances and help you decide if Chapter 13 bankruptcy is the right step.

Schedule a Free 15-Minute Consultation Today! Call The Ballard Law Group office at (404) 800-9939 or contact us online.

Key Benefits of Chapter 13 Bankruptcy

Chapter 13 bankruptcy provides a range of benefits for people who successfully complete the process.

These benefits include:

• Saving Your Home 

Chapter 13 immediately stops foreclosure proceedings as long as the sale hasn’t begun, offering you a practical repayment option for mortgage arrears—free from late fees and foreclosure threats. You’ll need to continue making full mortgage payments on future amounts directly with your lender.

• Keeping Your Car

Filing a Chapter 13 case prevents your finance company from repossessing your vehicle. Sometimes, courts will adjust your car loan balance to reflect the current market value, then fold that amount into your three-to-five-year repayment plan. You won’t pay your finance company directly after filing; instead, you’ll make plan payments to a court-appointed trustee, who distributes funds to creditors.

• Eliminating Second & Third Mortgages

Many Georgia homeowners owe more on their mortgages than their house is worth. Through Chapter 13, second and third mortgages can be categorized as unsecured debt, which is paid last in a repayment plan. Most unsecured debts are completely discharged when your bankruptcy process is finished.

The Chapter 13 Bankruptcy Process in Lawrenceville

Understanding the steps of Chapter 13 bankruptcy helps you make informed decisions. In Lawrenceville, the process starts with a consultation from a bankruptcy attorney who evaluates your finances, identifies eligible debts, and prepares the filing documentation. When you submit your petition to the U.S. Bankruptcy Court for the Northern District of Georgia, an automatic stay takes effect that temporarily stops most collection efforts.

A court-appointed trustee oversees your case and notifies your creditors. You participate in a meeting of creditors—known as the 341 meeting—where you answer questions about your finances. Most Lawrenceville residents attend this procedural meeting in an office setting, not a courtroom, unless the court requests further hearings. Once the court confirms your repayment plan, you make affordable payments over three to five years, which lets you catch up on missed mortgage or car payments and protect your most important assets. The local court structure helps create a clear timeline, reducing surprises as you move through the process.

How Chapter 13 Bankruptcy Payments Work

Chapter 13 repayment plans are structured to fit your budget while meeting legal requirements. Your monthly payment depends on your income, allowable living expenses, and the debt included in your plan. In Lawrenceville, the court calculates your payments using disposable income, after subtracting essential expenses. The trustee collects these payments and distributes them according to your approved plan.

Timely payments are crucial, so many clients set up automated transfers or reminders. The Ballard Law Group helps you organize your records and keeps your repayment plan on track. Georgia courts examine every income source and expense to determine what payment amount you can manage. Knowing this process allows you to avoid common pitfalls, make informed decisions, and stay focused on your financial recovery.

What You Need to Know About Chapter 13 Bankruptcy

If you're facing overwhelming debt and considering bankruptcy, Chapter 13 might be a strong solution. This bankruptcy type lets you organize your debt into a manageable repayment plan, lasting three to five years. Unlike Chapter 7 bankruptcy, which requires selling certain property to pay off creditors, Chapter 13 helps you keep your assets while working toward debt relief.

Filing for Chapter 13 bankruptcy offers a clear path to financial stability, especially if you want to save your home or vehicle or keep your assets. In Lawrenceville, the U.S. Bankruptcy Court for the Northern District of Georgia oversees all filings, applying federal law and well-established local procedures. Knowing how these local practices work can ease your mind and help you plan with certainty.

Our team of Chapter 13 bankruptcy attorneys in Lawrenceville, GA, guides clients through each step, makes sure paperwork is handled correctly, and supports you as you work through the process. We help those in Atlanta and beyond move forward after bankruptcy and create a plan tailored to each person’s unique situation.

Benefits of Chapter 13 bankruptcy include:

• Protection from creditor harassment and lawsuits
• Ability to keep your home and other assets
• Flexible payment options that fit your budget
• Opportunity to catch up on missed mortgage or car payments
• Discharge of remaining debt at the end of the payment plan

Your successful repayment plan can also help you rebuild your credit over time. Following your plan demonstrates responsibility and signals to creditors that you’re taking charge of your finances. Many people in Gwinnett County use this option to reset their financial lives without losing essential property.

If you’re ready to consider bankruptcy relief, contact The Ballard Law Group. We serve Lawrenceville and the Atlanta area, providing resources and guidance to help you find a long-term, debt-free future.

Your Local Chapter 13 Bankruptcy Resource in Lawrenceville, GA

Residents in Lawrenceville deal with financial hardship for many reasons. Job losses, medical bills, or an increased cost of living can make it hard to keep up. Chapter 13 bankruptcy is available here to help people protect their homes and vehicles while regaining control over their finances.

The main courthouse for Lawrenceville sits on West Crogan Street, where bankruptcy matters go through the federal system. If your case is assigned to the U.S. Bankruptcy Court for the Northern District of Georgia, you benefit from a straightforward process that considers both Georgia state law and federal regulations. This keeps the process steady and makes it easier for local residents to navigate successfully.

Resources like the Gwinnett County Department of Family and Children Services may offer support if you need financial help. However, people often find the steps confusing and aren’t sure who to trust for guidance. The Ballard Law Group draws on our experience helping people in Lawrenceville and knows how to walk you through the bankruptcy process effectively.

Every financial picture is different. Our team takes the time to understand your situation, provide one-on-one attention, and help you explore the right solutions. If you’re overwhelmed by debt, contact us to learn more about how we can help you move forward in Lawrenceville.

Schedule Your Free 15-Minute Consultation Now! Call The Ballard Law Group office at (404) 800-9939 or contact us online.

Related Reading:

• Georgia Chapter 13 Bankruptcy Timeline

Frequently Asked Questions About Chapter 13 Bankruptcy

What Are the Advantages of Chapter 13 Bankruptcy?

The advantages of Chapter 13 bankruptcy include restructuring your debt and keeping your property while you make payments without the fear of foreclosure or repossession.

Types of Debts Can Be Eliminated Through Chapter 13 Bankruptcy?

Chapter 13 bankruptcy helps individuals manage and eliminate different types of unsecured debts. This includes credit card debt, medical bills, and personal loans. Second or third mortgages can also be stripped of their secured status and treated as unsecured debt in some instances.

Why Should I Choose The Ballard Law Group for My Chapter 13 Bankruptcy Needs?

By choosing The Ballard Law Group for your Chapter 13 bankruptcy needs, you receive personal attention and support. We work closely with clients in Lawrenceville and the Atlanta area, helping navigate bankruptcy law and build repayment plans that fit your circumstances.

Who Is Eligible to File for Chapter 13 Bankruptcy?

To file Chapter 13 bankruptcy, you must be an individual with regular income. This means you need a consistent source of income that supports monthly debt payments. As of June 2025, your unsecured debt must total no more than $465,275, and your secured debt must not exceed $1,395,875. These limits change periodically, so you should consult with a bankruptcy attorney to confirm eligibility.

What Is the Difference Between Chapter 13 and Chapter 7 Bankruptcy?

Chapter 13 and Chapter 7 bankruptcies handle debts differently. Chapter 7, called liquidation bankruptcy, involves selling non-exempt property to pay creditors. Chapter 13 lets you keep your assets while repaying a portion of your debt over three to five years, making it a good choice for those who have steady income and want to stay in their home or keep their vehicle.

How Does Chapter 13 Bankruptcy Affect My Credit?

When you file for Chapter 13 bankruptcy, it appears on your credit report for up to seven years from your filing date. Most people who file have already seen their credit score drop due to missed payments or high debt. Successfully completing your repayment plan allows you to start rebuilding your credit and move toward a more stable financial future.