Atlanta Chapter 13 Timeline
Immediately – Take advantage of a free consultation with an Atlanta bankruptcy attorney to discuss your situation. If you think you may need the help of a bankruptcy attorney, please do not hesitate to take advantage of a free case evaluation, as the timing of your petition has substantial consequences. For instance, prior to meeting with me, I will ask you to fill out a very short questionnaire to make the initial consultation more productive.
Within 14 Days – You will take home some paperwork and provide your attorney with a lot of information, paperwork, and documents. A Chapter 13 bankruptcy takes a bit more time to prepare for, as it involves filing a Chapter 13 Plan with the court. After preparing your schedules and developing an appropriate Chapter 13 Plan, I will file your paperwork with the court.
30 Days After Filing – Within 30 days of filing your Plan, you must begin making payments to your Chapter 13 Trustee. In the Northern District of Georgia, this is often accomplished by filing an Employee Deduction Order with the court so that the amount is automatically deducted from your paycheck.
45 Days After Filing – You and your Atlanta bankruptcy lawyer will attend the “341” Hearing where the Trustee will ask you questions about your case.
30 Days After Your Meeting of Creditors – At this time, the court will hold a confirmation hearing that I will attend to argue for confirmation of your Chapter 13 Plan. 99% of the time, you will not have to appear. This is usually not a contested hearing. I will simply talk with the Trustee to discuss your Plan and request it be confirmed.
3-5 Years After Your First Payment – Discharge! You are done. One you make your last plan payment to the Chapter 13 Trustee, you will receive your discharge and all your debts not paid back (with some exceptions) will be wiped out.