Chapter 13 bankruptcy is different from Chapter 7. In a Chapter 7 bankruptcy, the debtor's unexempt property is sold and used to pay off their debts. In a Chapter 13 case, the debtor enters a court-protected repayment plan. They pay off a portion of their debts under the supervision of the bankruptcy court, typically over the course of three to five years. Under the court's protection, creditors can't charge interest or penalties during the payment plan. When they successfully complete your Chapter 13 bankruptcy payment plan, the court will discharge all of their remaining debt. Brad Stephens is an experienced bankruptcy attorney who has assisted clients in filing Chapter 13 for over ten years. He assists clients in Bartow County and Cartersville, GA as well as the surrounding areas.

Are you struggling to pay off debt and keep up with necessary expenses? Do you wish there was a way you could start fresh without having to give up your property? Bankruptcy may be your best course of action. Bankruptcy law is very complicated and moving forward without an attorney is extremely risky. Chapter 13 bankruptcy plans can you help you catch up on missed house and car payments, pay off back taxes, and prevent foreclosure and repossession.

Brad Stephens is an attorney with extensive Chapter 13 bankruptcy law experience. He can help you identify the most effective method to relieve your debt obligations and move on with your life. Call (770) 334-2704 or fill out our online contact form in order to get in touch with a knowledgable attorney and figure out your next move. Brad is looking forward to meeting you and helping you improve your financial situation with dependable legal guidance.

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There are many instances when a Chapter 7 bankruptcy would be favorable over a Chapter 13 case. However, not everyone is eligible for Chapter 7. For example, if your current monthly income is greater than the median income for a household of your size in Cartersville, GA, you may not be eligible for Chapter 7. Also, if you have a certain amount of disposable income after subtracting expenses, you may not be eligible for Chapter 7. A Means Test will calculate which plan you are eligible for. A Means Test is used to determine whether you qualify for Chapter 7 bankruptcy or what you must pay unsecured creditors in Chapter 13 bankruptcy.

There are some cases when you would want to file Chapter 13 even if you are eligible for Chapter 7. For example, if you are behind on your mortgage or car loan payments, Chapter 13 would allow you to make up for those payments over time. The best way to find out how to deal with your debt is to consult with a professional Chapter 13 bankruptcy attorney like Brad Stephens.


These are the steps we must take to file a successful Chapter 13 bankruptcy plan.

  • Show that you have steady, reliable income by providing your tax return documents
  • Participate in an approved credit counseling session to ensure that you are aware of your options
  • Provide notice to secured and unsecured creditors

Chapter 13 can offer substantial relief if you complete the payment program successfully. We will work out a payment plan based on your income and the amount of debt you claim and present it to the trustee. The trustee will evaluate your payment plan and we will work with the trustee to get your payment plan confirmed.

Brad Stephens aims to make the process simple and convenient with minimal stress and cost. He has the experience to guide you, help you file properly, and get your petition accepted by the court.


If you maintain your Chapter 13 bankruptcy payment plan you may receive a discharge and your fresh start. And a discharge of most if not all of your unsecured debt. Many people use Chapter 13 in order to keep valuable property that is not exempt under Georgia state law. It can prevent home foreclosure, allow you to make up missed car payments, pay back taxes, and more.

Speak with a Chapter 13 bankruptcy attorney near Bartow County and Cartersville, GA today: (770) 334-2704


Law Office of Brad Stephens, P.C. has lawyers who are experienced with a variety type of criminal defense, bankruptcy, personal injury, and estate planning law issues. If you want advice or are seeking legal support, please consider getting in contact. We'd love to help you with your case.


If you are looking for quick service, then consider giving us a call. One of our lawyers is available to speak to your directly. We hope to be able to discuss your case and schedule an appointment.