Chapter 13: Some Frequent Questions

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Where are Trustee meetings held?

In the Northern District of Georgia, bankruptcy court locations are in Atlanta, Rome, Gainesville and Newnan.

What is the address of the Atlanta Bankruptcy Court?

The location in Atlanta is the Russell Federal Building, 75 Ted Turner Drive, Atlanta, GA 30303.

Who goes with me to court?

You are always accompanied by a bankruptcy lawyer from our firm when you go to court. We are there to guide and help you. We know the trustees and the judges.

What happens at a Trustee meeting ("the 341")?

The trustee meeting usually lasts about 5 - 10 minutes.

You will be part of a calendar call; usually the only people there are the debtors and their attorneys. Occasionally, there will be a creditor. If a creditor is there, they may ask minor questions:

  • Is the petition true and accurate?
  • Why did you have to file?
  • Do you own anything else of value?
  • Are you entitled to sue anyone or are you coming into money (inheritance)?
  • Many times there will be no creditors present at this meeting. Also, make sure you have read your petition and the bankruptcy information sheet (which is part of the petition).

The trustee will ask whether or not you have read that information and if you have any questions about what is included on the document. You will be able to watch a couple of meetings prior to your meeting so you know what to expect.

We provide our clients with an informational handbook from the trustee appointed on your case with information concerning the chapter 13 process.

Making a "good faith" payment

Chapter 13 filers need to make the first "good faith" payment towards the chapter 13. It is mailed to the trustee.

Please be sure to indicate your case number on the money order that is sent.

If our clients have any questions about receipt of the payment or concerning method of payment, they feel free to call us.

Please continue to make this payment every month until you see deducted from your paycheck/retirement payment.

Hearing notice and credit counseling

You will be receiving notice in the mail of the filing. That notice will also be accompanied by a notice indicating that you must complete a second credit counseling (Debtor Education) course before your debts can be discharged. It is very important this is completed far in advance of the deadline provided on this notice, so please have it completed as soon as possible. Please submit a copy of the certificate for this counseling course to us.

What should I bring to the Trustee meeting?

The only things you will have to bring to your meeting are your driver's licenses and social security cards (original). Please make sure your cards/ID matches your name on the petition. If you do not have a social security card, please bring an original W-2.

As far as courthouse security, they do not allow phones or cameras, so leave them in the car. Parking is available in surface lots just to the south of the building on Spring Street (now Ted Turner Drive), or you can park at the building itself.

About Us

Too much debt? Need a fresh start? That's what bankruptcy is for! Once a bankruptcy petition is filed, a creditor cannot garnish your wages, seize bank accounts or property, and they can't call or write to you. Any outstanding wage garnishments and lawsuits must be stopped. The harassment must end immediately, because that's the law!

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You can trust our experience

Experience is important, and we're proud of ours. Our important legal experience really helps our clients and includes having served as a Magistrate Judge, an Assistant Attorney General and as a Senior Assistant County Attorney.

So when you need the services of a bankruptcy lawyer, make attorneys William H. Sherman and Valerie W. Sherman your first choice!

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