Also referred to as a “wage earners” plan, Chapter 13 can be a good option for people who have a steady income but struggle to keep up with their monthly payments. Under a Chapter 13, you are able to consolidate most of your debts into one payment to your trustee. In addition, you enjoy all of the protections provided by the bankruptcy code, including putting an end to harassing phone calls and letters.

There are a number of advantages to filing under Chapter 13 rather than Chapter 7. In a Chapter 13, none of your property is at risk of being taken and sold by the trustee. If you are behind on your mortgage or car payments and wish to keep them, Chapter 13 allows you to repay the amount you are behind with your mortgage company and resume monthly mortgage payments after filing for bankruptcy. Your car loan is typically consolidated into the payments you make to the trustee. As long as you are able to keep up with the current payments, you avoid the risk of foreclosure and repossession actions.


The Augusta Chapter 13 bankruptcy attorneys at the law firm of Claeys, McElroy-Magruder & Kitchens have helped clients in all aspects of their cases. We take a very hands-on approach to every Chapter 13 case, doing everything in our power to ensure that the entire process goes smoothly.

Under a Chapter 13, you repay your debts over a three- to five-year period under a court-approved payment plan. You do not need to be concerned about how much each creditor receives from your payment. Your trustee decides how to allocate each payment. Your only obligation is to make your monthly payment to the trustee. At the end of your repayment plan, you will receive a discharge of most of your debts, regardless of whether each creditor has been fully repaid or not. Some debts that cannot be discharged in a bankruptcy may include student loans, alimony and child support.


Contact our office today to schedule a free consultation with a respected Georgia lawyer to get answers to your Chapter 13 questions. Knowledge is power. With that power, you can make the decisions about your financial future before your creditors make them for you. We have offices in Augusta, Dublin and Statesboro as well as a mobile office to serve you. We are available during regular business hours and by appointment evenings and weekends.



Augusta: 706-724-6000

Dublin: 478-275-8311

Statesboro: 912-764-7000


We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.