What do I do if I Lose my job During a Chapter 13 Bankruptcy in Georgia?

When you file Chapter 13 bankruptcy in Atlanta, Georgia, you enter into a plan to consolidate your debts and repay them over a three to five year period, so losing your job could change the repayment terms of your Chapter 13 case. If you lose your job during a Chapter 13 case, you should not panic, because you can always ask the court to decrease your payment in what is known as a post-confirmation Chapter 13 modification. The modification proposes a new plan based on your changed circumstance and can decrease your monthly payment or make any other adjustments. However, if you have no income at all due to the job loss, you may want to consider converting your case to a Chapter 7, which is the bankruptcy chapter where you do not repay unsecured debts. Regardless of your situation, the bankruptcy laws in Georgia allow changes to be made to your case based on the circumstances, so be sure to call your bankruptcy lawyer when your situation changes significantly. If you have any questions about Chapter 13 bankruptcy in Atlanta, Georgia, call the Law Offices of Charles Clapp for further information.


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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!!!