RHYMER LAW FIRM
BOARD CERTIFIED IN CONSUMER BANKRUPTCY LAW
BY THE AMERICAN BOARD OF CERTIFICATION

 CALL 770-483-3328 ATLANTA EXCHANGE, 706-552-3328 ATHENS EXCHANGE, 1-888-889-3328, STATEWIDE FOR FREE CONSULTATION

  

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CHAPTER 13 DETAILED INFO

      Chapter 13 Bankruptcy is a debt repayment and consolidation plan. It consolidates most of your debts into a single payment made at regular intervals to a trustee, a court appointed official, who distributes the payments to your creditors. The payment amount is equal to your monthly "disposable income". Your disposable income is the extra money left after you pay your necessary living expenses each month. The repayment process usually takes between three and five years, depending on your income, expenses, and debts. It cannot take longer than five years, but it can be paid in less than three. There are two types of Chapter 13 Plans. One type is an extension plan that pays your creditors in full and they must leave you alone while you are paying them back. The other type of Chapter 13 is a composition plan that pays some creditors in full and some less than the total amount owed. Both types of plans protect you from the harassment or contact from your creditors. 

     Chapter 13 can have many advantages over a Chapter 7, depending on your case. More types of debts can be cancelled. You can use Chapter 13 to catch up house notes, car payments, and payments on other secured property. You can pay taxes out over time with little or no interest, and sometimes at cents on the dollar. For answers to general questions about Chapter 13 Bankruptcy, click on the link below.

         CHAPTER 13 FREQUENTLY ASKED QUESTIONS


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Content copyright . Rhymer Law Firm. All rights reserved. Rhymer Law Firm has 3 offices in Georgia.  William Rhymer is an attorney that limits his law practice to representing individuals and couples in filing consumer Chapter 13 bankruptcy cases and Chapter 13 bankruptcy cases. . He and Rhymer Law Firm have been designated as  debt relief agents by the federal bankruptcy law. William Rhymer has been Board Certified in Consumer Bankruptcy Law by the American Board of Certification. The Rhymer Law Firm's main office is in Conyers, Georgia. We have a satellite bankruptcy office in Lawrenceville, Georgia. We also have a satellite bankruptcy office in Athens, Georgia. Through these three bankruptcy offices we serve people that live in the following Georgia cities, towns, and counties: Athens, Atlanta, Acworth, Arcade, Auburn, Austell, Avondale Estates, Baldwin, Berkeley Lake, Bethlehem, Blackshear, Bogart, Bostwick, Bowman, Braselton, Brooks, Buckhead, Buford, Canon, Carl, Carlton, Carnesville, Centerville, Chamblee, Clarkston, Clermont, Colbert, College Park, Comer,Commerce, Conyers, Covington, Crawford, Dacula, Dallas, Danielsville, Decatur, Doraville, Douglasville, Duluth, Dunwoody, East Point, Eatonton, Elberton, Fairburn, Fayetteville, Flovilla, Flowery Branch, Forest Park, Franklin Springs, Gainesville, Glenwood, Good Hope, Gray, Grayson, Greensboro, Griffin, Hampton, Hapeville, Hartwell, High Shoals, Homer, Hoschton, Hull, Ila, Jackson, Jefferson, Jenkinsburg, Johns Creek, Jonesboro, Lake City, Lavonia, Lawrenceville, Lexington, Lilburn, Lithonia, Locust Grove, Loganville, Lovejoy, Lula, Macon, Madison, Mansfield, Marietta, Martin, Maxeys, Maysville, McDonough, Midway, Milledgeville, Monroe, Monticello, Morrow, Mount Vernon, Mount Zion, Newborn, Newnan, Nicholson, Oakwood, Orchard Hill, Oxford, Palmetto, Peachtree City, Pendergrass, Pine Lake, Porderdale, Bishop, Powder Springs, Riverdale, Roswell, Royston, Rutledge, Shady Dale, Siloam, Smyrna, Snellville, Social Circle, Statham, Stockbridge, Stone Mountain, Sugar Hill, Sunny Side, Suwanee, Talmo, Toccoa, Tucker, Union City, Union Point, Walnut Grove, Washington, Watkinsville, White Plains, Winder, Winterville, Woodville, Woodstock,  and the following counties:  Banks, Barrow, Bartow, Bibb, Butts, Carroll, Catoosa, Chattooga, Cherokee, Clarke, Clayton, Cobb, Coweta, Dade, Dawson, Dekalb, Douglas, Elbert, Fannin, Fayette, Floyd, Forsyth, Franklin, Fulton, Gilmer, Gordon, Greene, Gwinnett, Habersham, Hall, Haralson, Hart, Heard, Henry, Jackson, Jasper, Jones, Lumpkin, Madison, Meriweather, Morgan, Murray, Newton, Oconee, Oglethorpe, Paulding, Pickens, Pike, Polk, Putnam, Raburn, Rockdale, Spalding, Stephens, Towns, Troup, Union, Walker, Walton, White, and Whitfield.