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Debt can be tackled by repaying it through Chapter 13 Atlanta, GA

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Debt can be tackled by repaying it through Chapter 13

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On behalf of Gingold & Gingold LLC posted in Chapter 13 on Thursday, May 14, 2015.

Too many people have misconceptions about bankruptcy. They think that a person who files for bankruptcy is irresponsible and just wants a quick and easy way to get out of paying their debts. However, bankruptcy is something that all kinds of adults have to consider thanks in large part to factors like the recent recession, increasing medical expenses and soaring student loans.

Additionally, bankruptcy is not quick or easy. It can be a very complicated process that affects a person’s financial standing for years, so it is important not to take the situation and decision to file for bankruptcy lightly. Finally, people who file for bankruptcy aren’t just trying to get out of paying debt. In fact, people who file for Chapter 13 bankruptcy want to pay off debt but need help in the form of a repayment plan.

Those who  file for Chapter 13 bankruptcy are able to work with a trustee and their creditors to develop a repayment plan that makes it easier to pay down debt. By prioritizing debt based on the type of claim a creditor has allows a person to pay off the most crucial or highest priority first.

Chapter 13 bankruptcy allows a person to take control of their debt, keep their homes and other assets, and put a stop to the calls and collection efforts by creditors. Additionally, while Chapter 13 bankruptcy can affect a person’s credit history for the same amount of time as Chapter 7, lenders may look more favorably at people who have repaid debt.

Filing for bankruptcy is an aggressive, but effective, way to deal with debt. Of course, it is not an appropriate solution for every person in every situation, but it is a solution that millions of people pursue. In order to determine if Chapter 13 may be a good choice for you, it can be wise to discuss your financial obligations and options with an attorney.

Source: United States Courts, “Chapter 13 – Bankruptcy Basics,” accessed on May 12, 2015

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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Our Client Reviews

Gingold & Gingold LLC
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!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

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.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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