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Are You Having Trouble Making Chapter 13 Bankruptcy Payments? Atlanta, GA

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Are You Having Trouble Making Chapter 13 Bankruptcy Payments?

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For those seeking to take charge of their debt through filing chapter 13 Bankruptcy, the chapter 13 plan is the crux of their bankruptcy case, as explained by NOLO. Yet, completing a repayment plan in this case is difficult. For instance, suppose an individual is faced with a financial emergency, serious health issue or other unforeseen circumstance that causes them to fall behind on their payments. What options are available for debtors having trouble making their chapter 13 Bankruptcy payments?

For anyone facing dismissal of his/her bankruptcy case due to default payments, it’s important to understand that it is possible to reach a new agreement by speaking to the bankruptcy trustee. This agreement can help a person get current on their payments, particularly if he or she provides a compelling argument regarding their situation.

However, in the event that a debtor loses his or her job, it is possible that a repayment plan can be modified. In this case, an individual can petition the court to reduce monthly payments, and he/she can even propose a new payment amount. To do so successfully, the debtor will need to provide documentation of the change in their financial circumstance.

When a payment modification isn’t possible, and an individual cannot continue with his/her chapter 13 Bankruptcy due to financial reasons, he or she might be approved to receive a hardship discharge. As such, the court analyzes the person’s financial situation and determines what is in the best interest of creditors. If a hardship discharge is not granted, individuals may consider switching to a chapter 7. For some, this makes sense, as it allows the trustee to sell one’s nonexempt property. In addition, all of the person’s qualifying debt will be wiped out.

Even so, when all else has failed, a debtor may allow the court to dismiss their bankruptcy case, so that he/she can file again.

Call Gingold & Gingold, LLC for the Personal Attention You Need and Deserve

While filing for bankruptcy gives a sense of relief for many hoping to eliminate their debt and move on with their lives, it is incredibly stressful when one cannot meet the requirements of his/her payment plan. If your circumstances have changed since filing chapter 13 Bankruptcy, and you are struggling to make payments or have fallen behind, the experienced team at Gingold & Gingold, LLC are here to help.

For the personal attention you need and deserve, call Gingold & Gingold, LLC today to schedule a confidential consultation.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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