We try to provide clients with complete access to any tools they will need during the course of their case. Please review the options below and if you don’t see the form needed please contact us immediately.
Once your case is filed you will be assigned one of the three Chapter 13 Trustees who cover the Northern District of Georgia. If you need to make a case payment you can make these directly on this site. You can also set up your account with the National Data Center to monitor all payments that you make and that are made directly to creditors.
Remember that the trustee CANNOT give you legal advice. That is what we do! If you have a question about your case please contact us immediately.
Almost all plans are written out over 60 months because that will give you the lowest monthly payment possible. Your plan may say “36 Months” in the Applicable Commitment Period section. THIS DOES NOT MEAN YOUR PLAN IS 36 MONTHS. What this means is that based on your means test (6 month average of household income prior to filing), you are required to remain in your case for at least 36 months. This only applies to cases where you are not repaying all of your creditors back in full. If you are repaying everyone then you can pay off your case at any time.
That one is easy! Just go to this link: https://ndc.org/home and create a FREE account. You can monitor every aspect of your case and see exactly how long you have left in your case. Do not call the trustee to ask them because that is not their job and they cannot assist you with that. Just go the link above and you can review all payments made.
You can disregard this notice. The initial filing fee you paid when you signed up (either $78 or $313) has been paid. This notice is sometimes generated if case fees are not paid and the exact same time as filing. Since we sometimes bulk file cases and just pay at one time this will cause the computer to issue that notice.
If you did not pay the full filing fee of $313.00 to file your case (you would have paid $78.00) then the balance of $235 will be due over the next 60 days by paying one payment of $117.50 30 days after filing and then paying a filing $117.50 in another 30 days. Remember that you do NOT pay this to your trustee or to our office. This is paid DIRECTLY to the clerk’s office. Below are the clerk’s office for the Northern District of Georgia. You can pay this installment fee HERE
Remember that the court notifies your creditors by mail. It may take a few weeks for this to be processed by your creditors. If a creditor calls you or sends you a letter you need to first call them to provide them your case number and our contact information. If you have already done this and they are still contacting you then you can notify the office HERE
Directions to Court
http://www.ganb.uscourts.gov/court-info/court-locations
How to Read Your Hearing Notice
After your case is filed you will receive a court notice. Please click HERE to see a sample notice with explanation.
How to Pay Filing Fee Installment
If you did not pay your full filing fee upfront when you file then you will need to pay your court filing fee DIRECTLY to the clerk of bankruptcy court. This is NOT your trustee payment so don’t confuse the two.
Your installment payment is due 30 days from today and then the balance of the fee is due in the next 30 days.
You need to make your installment payment to the Clerk of Bankruptcy Court (NOT YOUR TRUSTEE or TO OUR OFFICE). It may be easier to just wait until your court date and then just go to the Clerk’s office and make the payment since you will there for your hearing anyway!
You will receive a notice of installment payments and If you have ANY questions you can call the clerk of bankruptcy court at 404-215-1000. Our office has NOTHING to do with these fees so make sure you contact the bankruptcy court IMMEDIATELY.
You can either MAIL your payment by money order or you can make the payment ONLINE at this LINK.
Request a Copy of Your Tax Return From the IRS
Permission to Speak Directly to a Creditor
Permission to Speak Directly to Your Mortgage Company
Requst a Copy of Your Social Security Card
Affidavit Regarding Income Contribution
Affidavit Regarding Last Filed Tax Return
Affidavit Regarding No Tax Return Required
Garnishment Information for Employers
If you are currently being garnished by a creditor your employer actually has the LEGAL ability to stop it instantly insteda of waiting for a release from the creditors which can take a week or two.
Once you case is filed please provide your employer the following:
Letter to employer regarding the garnishment
Pre-signed letter from us for you to provide your payroll/HR department
Sometimes email just doesn’t cut it and you want to talk to someone to review your questions. No problem! We make it really easy to do that. You can schedule a time to review directly on their calendar.
If you did not list all of your creditors before your case was filed then an amendment can be filed to add then. Use this form to provide us with the list of creditors to be added and pay the add creditor fee
Volunteer Income Tax Assistance:
The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $54,000 or less, persons with disabilities, the elderly and limited English speaking taxpayers who need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.
https://dor.georgia.gov/need-help-your-taxes
https://www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers
Any money you receive outside your normal monthly income already committed to your case must be paid into your case. If you want to retain any additional money that comes in you need to make a formal request.
There may be times in your case that something comes up where you need to suspend your payments. You must complete the form below and provide all requested documents before this can be filed.
There may be times in your case that you need to take out a loan for a car or a home. In order to do this you have to make a formal request.
If you receive a motion to dismiss your case then you need to contact our office so we can work with you to stop this action. Please watch the video below and complete the form.
If you receive a Motion for Relief from Stay notice then you need to get in touch with our office so that we can work with you to resolve this and keep your assets protected.
If you can no longer make your case payments and are ok with letting some of your assets go you may want to look at converting your case to Chapter 7.
If you need to sell your property while in bankruptcy you will need to get the court’s permission. In order to do this you will need to complete this form below. Remember to tell your real estate agent that you will have to set closing out 45-60 days to accommodate time for the court to approve the motion.
If you have been given a loan modification the new loan must be approved by the bankruptcy court since this is a new debt. Please complete this form and provide the requested documents. Once this is received you will need to allow 45-60 days to accommodate time for the court to approve the motion.
If you need to change your plan payment, for any reason, a formal motion has to be filed. Please review this video on the process for modifying your chapter 13 plan.
We invite you to contact us either online or by phone at 404-919-7296 to schedule a FREE confidential consultation to review your personal financial situation and what options we can provide to protect you from creditors. For additional information about bankruptcy please also check out our YouTube Channel which has up to date vlogs on issues related to personal bankruptcy.