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What if You Can t Make Your Chapter 13 Plan Payments Atlanta, GA

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What if You Can’t Make Your Chapter 13 Plan Payments?

Dealing With Loss of Income and Other Changes in Circumstances

One of the biggest concerns people have about Chapter 13 bankruptcy is what will happen if they cannot make their repayment plan payments. The good news is that the Chapter 13 process is designed to be flexible in situations in which there is a change in your financial situation.

At the law firm of Jamie L. Gingold, PC, (Formerly practicing with Gingold & Gingold LLC), our Georgia bankruptcy attorneys have the experience to advise and represent clients who have fallen behind on their Chapter 13 plans. We will help you understand your alternatives so we can pursue the best possible outcome.

Understanding Your Options Under the Bankruptcy Laws

The earlier you contact an attorney about trouble keeping up with your monthly Chapter 13 payment, the better. If you have lost your job or your income has been reduced, we can evaluate your situation and figure out whether either of these two options is available to you:

  • Reducing your payment: Depending on the types of debt you are repaying in your Chapter 13 plan, you may be eligible for a lower payment based on your reduced income.
  • Converting to Chapter 7: If you are unable to make your Chapter 13 payments, you may be eligible for Chapter 7 bankruptcy, even if you were not eligible before.

Converting your case to a Chapter 7 may also be helpful if you filed Chapter 13 in order to keep your house and have since decided that you no longer want to stay in the house. Whatever your personal circumstances, we will make sure you understand your options.

Advising on Bankruptcy Payments · Atlanta, Cumming and Douglasville Lawyers

Our firm is made up of two experienced attorneys: Ira D. Gingold, who has been a bankruptcy lawyer since 1971 and Court-appointed Bankruptcy Trustee in the Atlanta metro area from 1971-2013, and Jamie L. Gingold, who has been practicing bankruptcy, business and real estate law since 2001.

If you are thinking about filing a Chapter 13 repayment plan, please contact us at (678) 915-2634 or by e-mail to discuss how we can help.

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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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