770-918-8000  ATLANTA

706-552-3328  ATHENS

478-474-3328  MACON

1-888-889-3328  STATE-WIDE

PictureChapter 13 Bankruptcy Cases

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 harassment or contact by your creditors.

Chapter 13 can have many advantages over 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 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:

Athens Office

The Butler Building
Suite 103
337 South Milledge Ave
Athens, GA 30605
Phone: 706-552-3328

 
Conyers Office

1036-B Iris Drive SE
Conyers, Georgia 30094
Phone: 770-918-8000

 
Lawrenceville Office

Suite 109
189 West Pike Street,
Lawrenceville, Ga 30046
Phone: 770-483-3328


Loganville Office

Loganville Office Center
Loganville Plaza
Suite 110
4396 Lawrenceville Rd.
Loganville, Ga 30052
Phone: 770-918-8012


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Rhymer Law Firm has 4 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 7 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 and in Loganville, Georgia. Through these four bankruptcy offices we Bankruptcy Lawyer counties and you can also google search for us by entering: Athens Bankruptcy Lawyer, Atlanta Bankruptcy Lawyer, Acworth Bankruptcy Lawyer, Arcade Bankruptcy Lawyer , Auburn Bankruptcy Lawyer, Austell Bankruptcy Lawyer , Avondale Estates Bankruptcy Lawyer, Baldwin Bankruptcy Lawyer, Berkeley Lake Bankruptcy Lawyer, Bethlehem Bankruptcy Lawyer, Bishop Bankruptcy Lawyer, Blackshear Bankruptcy Lawyer , Bogart Bankruptcy Lawyer, Bostwick Bankruptcy Lawyer, Bowman Bankruptcy Lawyer, Braselton Bankruptcy Lawyer, Brooks Bankruptcy Lawyer, Buckhead Bankruptcy Lawyer, Canon Bankruptcy Lawyer, Carl Bankruptcy Lawyer, Carlton Bankruptcy Lawyer, Carnesville Bankruptcy Lawyer, Centerville Bankruptcy Lawyer , Chamblee Bankruptcy Lawyer, Clarkston Bankruptcy Lawyer, Clermont Bankruptcy Lawyer , Colbert Bankruptcy Lawyer , College Park Bankruptcy Lawyer, Comer Bankruptcy Lawyer, Commerce Bankruptcy Lawyer, Covington Bankruptcy Lawyer , Crawford Bankruptcy Lawyer, Dallas Bankruptcy Lawyer, Danielsville Bankruptcy Lawyer , Decatur Bankruptcy Lawyer , Doraville Bankruptcy Lawyer, Douglasville Bankruptcy Attorney , Duluth Bankruptcy Lawyer, Dunwoody, East Poin Bankruptcy Lawyer, Elberton Bankruptcy Lawyer, Fayetteville Bankruptcy Lawyer, Flovilla Bankruptcy Attorney, Flowery Branch Bankruptcy Attorney, Forest Park Bankruptcy Attorney, Franklin Springs Bankruptcy Lawyer, Gainesville Bankruptcy Lawyer, Glenwood Bankruptcy Attorney, 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, 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 Ban kruptcy lawyer, watkinsville Bankruptcy Attorney, White Plains, Winder Bankruptcy Lawyer, Winder Banckruptcy Attorney, 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.