Roswell Chapter 13 Bankruptcy Lawyer

Financial pressure doesn’t build overnight, but it can reach a breaking point fast. For Roswell residents dealing with creditor calls, wage garnishment, or the threat of foreclosure, Chapter 13 bankruptcy may offer a structured path forward that protects what matters most. At The Sherman Law Group, we handle Chapter 13 cases for individuals and families across Roswell, Georgia, backed by over 50 years of combined legal experience in both private and public practice. A Roswell bankruptcy attorney from our firm can help you evaluate whether Chapter 13 is the right option for your situation.

If you’re facing mounting debt and want to understand your options, contact The Sherman Law Group at (678) 712-8561 to schedule a consultation.

What Chapter 13 Bankruptcy Does for Filers

Chapter 13 is a federal bankruptcy option for individuals with regular income who are overwhelmed by debt but want to keep their property. Sometimes called the wage earner’s plan, it requires the filer to propose a court-approved repayment schedule lasting three to five years. Roswell residents who file do so in the United States Bankruptcy Court, Northern District of Georgia.

The moment a case is filed, an automatic stay takes effect. This may immediately halt active foreclosure proceedings, creditor contact, wage garnishment, and repossession actions. Plan payments go to a court-appointed bankruptcy trustee, who distributes funds to creditors according to the confirmed plan rather than the filer paying creditors directly. The core mechanics of Chapter 13 include:

• Secured vs. unsecured debt: Secured debts like mortgages and car loans are addressed through the plan, while unsecured debts such as credit cards and medical bills may be partially or fully discharged at the end of the plan period.
• Foreclosure prevention: Mortgage arrears can be incorporated into the plan, giving homeowners who are behind a structured path to retain their home rather than facing immediate loss.
• Debt discharge: Chapter 13 may allow discharge of certain debts that can’t be discharged under Chapter 7.
• Asset retention: Unlike Chapter 7, which is a liquidation process, Chapter 13 is a reorganization path. Filers with steady income who want to keep their home, vehicle, or other assets may find it better suited to their circumstances.

Chapter 13 is available only to individuals and married couples, not corporations or other business entities. The filer must have regular income and debts within statutory limits. Whether this path fits your situation depends on your income, the type of debt you carry, and your financial goals.

Former Government Attorneys Who Know How Courts & Trustees Think

William H. Sherman served as an Assistant Attorney General and worked for a judge. Valerie J. Sherman served as a Magistrate Judge and as an Assistant County Attorney. That background gives both attorneys firsthand familiarity with how courts, trustees, and creditors approach bankruptcy proceedings, knowledge that can inform how a Chapter 13 plan is structured and presented. You can review their full profiles to learn more about their experience.

As a husband-and-wife practice with over 50 years of combined legal experience, we give each client individual attention, listen carefully to their situation, and build a strategy suited to their specific goals. Financial hardship is stressful enough without feeling like a file number, and we treat every case with close attention.

Our practice also covers criminal defense, DUI, and family law. If a client faces legal issues alongside a bankruptcy filing, they can work with one firm that can address them together rather than coordinating across multiple offices.

Contact a Roswell Chapter 13 bankruptcy attorney at The Sherman Law Group to schedule a consultation and find out whether Chapter 13 is the right path for your situation.