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Rome Chapter 13 Bankruptcy Attorney


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There are two different types of bankruptcy; Chapter 7 and Chapter 13. For those who have a regular income that would not appear to pose a threat, they may still face serious financial troubles. Chapter 13 in Rome Georgia is a solution to those who are seeking debt relief from our firm, which understands this aspect of bankruptcy. This type of bankruptcy can help you obtain the fresh start you have been awaiting. It sets you on a road to financial freedom that is accomplished through the establishment of a payment plan. If you do not qualify for Chapter 7 bankruptcy as a result of a failure of the means test, Chapter 13 can still help you discharge debts.

Chapter 13 bankruptcies to protect your property and to help you reorganize and reduce other debts. A Chapter 13 bankruptcy places your home under the protection of the U.S. Bankruptcy Court and stops foreclosures. It also puts your vehicle under the same Bankruptcy court protection and prevents your car from being repossessed. Chapter 13 bankruptcy is used primarily by people with a mortgage or a vehicle who wish to keep their property, yet need time to restructure payment of existing debt to a manageable level.

Chapter 13 bankruptcy is an excellent option for any who are not able to file for Chapter 7 bankruptcy. It is a great option for those who want to protect their homes, vehicles and other assets. Chapter 13 has many benefits, especially when fighting against foreclosure. It allows you to protect these assets while taking steps toward financial freedom. In Chapter 13 bankruptcy, the damage done to your credit is less severe. Maintaining a positive financial outlook can be accomplished by filing for Chapter 13 bankruptcy. To find out more about how Chapter 13 can benefit you, or to obtain a complimentary consultation, contact our bankruptcy firm today at Bournakis and Mitchell, P.C., located in Rome Georgia.

As our client, you can expect the following:

  • You are never treated like another number.
  • Start your case with a risk-free consultation.
  • Solutions that focus on long-term financial relief.
  • Non-judgmental advocacy when you need it.
  • Personal attention direct from our legal team.
  • Use decades of experience to your benefit.

Diligent Representation for Chapter 13 Bankruptcy Cases

Chapter 13 bankruptcy, also known as reorganization bankruptcy, allows debtors to keep all their property but requires them to pay back all or a portion of their debts within a three to five year period. Before you can file for a chapter 13 bankruptcy, you must complete credit counseling with an agency approved by the United States Trustee’s office. After you complete counseling, you can file a packet of information and pay a filing fee.

We work for bankruptcy solutions that allow you to move forward with your life free of debt, once and for all!

Call our caring legal team at (706) 350-6075 to get started.

Serving Clients from Our Offices in Cartersville, Rome, & Dalton

Chapter 13 bankruptcy is limited to debtors with less than $336,900 in unsecured debts such as medical bills and credit card debts, and less than $1,010,650 in secured debts. The debtor who files must provide a repayment plan that repays some debts in full. These include priority debts such as child support, alimony, and non-dischargeable payments, and secured debts such as a mortgage or vehicle loan, judicial liens, and tax liens. The Northwest Georgia bankruptcy attorney at Bournakis and Mitchell, P.C. gives each client personal attention and can help determine the best option for filing bankruptcy.


Who is eligible for a Chapter 13 bankruptcy?

  • Individuals, not business entities
  • Debtors who have not previously discharged debt with a Chapter 13 bankruptcy in the last two years or with a Chapter 7 bankruptcy in the last four years
  • Debtors who have fulfilled required credit counseling
  • Debtors who have filed their income tax returns and who possess sufficient income to pay off their debts


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