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Chapter 13 Clients

Below you’ll find information to help you in your Chapter 13 bankruptcy. Each step of the process is covered from beginning to end.

For help with bankruptcy terms, please check out our glossary:

Bankruptcy Glossary

 After Filing/Before Hearing

Once you receive your case number, you enter what is called an “automatic stay.” After the court has received and processed your submitted paperwork, they immediately notify all your creditors of your bankruptcy filing. Your creditors are then legally prevented from pursuing your further for debt collections, evictions, lawsuits, wage garnishments, levies, foreclosure, and other related matters. This is one of the greatest benefits of filing bankruptcy.


First Court Hearing

Creditors’ meeting/341 Meeting

Soon after your petition is filed, you are required to attend a meeting at the courthouse with your creditors, trustee, and your attorney. While this meeting is in your local federal building, it is not a trial. There is no judge present. During this meeting (which usually lasts less than 10 minutes), the trustee and creditors review your financial paperwork for accuracy and dispute anything they find to be inaccurate. Your attorney can greatly help you to feel at ease during this part of the process as he or she can advise and help you.


Second Court Hearing

You create a repayment plan that outlines how much each of your creditors will be paid and how much you will pay each month. This plan is presented before your trustee, a judge, and your creditors in a confirmation hearing in court, where those present may dispute or modify your repayment plan (if necessary). Most often, your plan is approved in this meeting. Normally, you do not need to attend this hearing. 


Repayment

Over a 3-5 year period, you make consistent payments to the court. These payments go towards your creditors, trustee, and attorney. Your trustee will occasionally review your case to make sure that your plan is going smoothly.

To access online accounts and other resources, see the Chapter 13 Trustee’s website.

Middle District Chapter 13 Payment Address:

A. Kristin Hurst

PO Box 116347
Atlanta, GA 30368-6347

Note: Please print your name and case number on your payments and make them payable to Kristin Hurst, Trustee. Payments should be made by money order or cashier check. They do not accept cash or personal checks.

Phone Number: 706-327-4151

Note: You're not eligible to register for an ePay account with the Chapter 13 Trustee Kristin Hurst until you've received a Confirmation Order in the mail from court (usually within 30 days of your confirmation hearing). Once you've received the Confirmation Order, you can register to pay online.

Southern District Chapter 13 Payment Address:

M. Elaina Massey

PO Box 1717
Brunswick, GA 31525

Phone Number: 912-466-9787


Debt Discharge/Fresh Start

Once you receive your case number, you enter what is called an “automatic stay.” After the court has received and processed your submitted paperwork, they immediately notify all of your creditors of your bankruptcy filing. Your creditors are then legally prevented from pursuing you for debt collections, evictions, lawsuits, wage garnishments, levies, foreclosure, and other related matters. This is one of the greatest benefits of filing bankruptcy.

While a Chapter 13 bankruptcy can stay on your credit report for 7 years, you can begin taking steps to rebuild your credit and start fresh without burdensome debts.


William Orson Woodall - Managing Partner

William Orson Woodall

Managing Partner
William Woodall, Jr

William Woodall, Jr "Will"

Managing Partner
Matthew P Smith - Attorney

Matthew P Smith

Attorney

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