Atlanta, Georgia Chapter 13 Post-Confirmation Modification

If you filed Chapter 13 in Georgia, then you are in a three to five year consolidation plan to repay your debts. Your monthly plan payment is based on your income at the time you filed your case. However, your income is likely to change over the course of three or five years. What do you do if you lose your job while you are in a Chapter 13 case? You do not have to panic because the court allows you to submit a modification of your original Chapter 13 case or even convert your case to a Chapter 7 bankruptcy if you have no disposable income with which to pay your debts. The Chapter 13 modification allows you to reduce your payment based on your new income. If you do not have any disposable income, you can convert your case to a Chapter 7 wherein you do not have to pay back unsecured debts.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!