Roswell GA Chapter 13 Bankruptcy Attorney
Debt doesn't have to define your future.
The Importance of Hiring a Tested Chapter 13 Bankruptcy Attorney
Chapter 13 bankruptcy gives you a real path out of debt, without losing your home, your car, or your peace of mind. At Cherney Law Firm, LLC, we help people in Roswell, GA, and across Metro Atlanta use Chapter 13 to stop collection calls, catch up on missed mortgage payments, and take back control of their finances.
Debt can pile up fast. Medical bills, credit card balances, missed car payments, they add up. Creditors start calling. Lawsuits get filed. Wage garnishments begin. When that happens, many people feel trapped.
However, Chapter 13 offers a structured way out. It lets you keep your assets while repaying what you owe over three to five years.
Cherney Law Firm, LLC has helped many Georgia residents work through serious debt problems. We know how hard it is to face financial pressure, and we take each case seriously. Whether you're behind on your mortgage or facing a creditor’s lawsuit, our skilled bankruptcy attorney can help you understand your options and move forward with a clear plan.
How Cherney Law Firm Helps Roswell Residents Tackle Debt
At Cherney Law Firm, LLC, we start by reviewing your full financial picture: your income, your debts, and your goals. That review lets us build a plan that fits your life, not a generic template.
We look at what you owe and who you owe it to. Some debts can be reduced. Others can be stretched over time to make payments more manageable. We then map out every option, so you know exactly where you stand before we file anything.
One of the biggest tools in Chapter 13 is the automatic stay. It goes into effect the moment your case is filed. That means creditor calls stop. Wage garnishments pause. If you are at risk of losing your home to foreclosure, the stay can halt that process right away.
We also look at whether Chapter 13 is the right fit for your situation.
If your income or debt type points toward another path, we can let you know. Our job is to find what works, not to push you toward a solution that does not serve you. We want you to leave with a real plan and a clear next step.
Why Roswell Residents Choose Cherney Law Firm
Choosing the right Chapter 13 bankruptcy attorney in Roswell, GA, can shape your financial future.
Here is what sets Cherney Law Firm, LLC apart.
More Than a Decade Helping Georgia Families with Debt
Matthew J. Cherney has been helping Georgia residents find debt relief since 2012. That is more than a decade of focused bankruptcy work.
Cherney Law Firm has filed a significant number of bankruptcy cases, giving you real-world knowledge that comes only from volume and experience. You are not a learning experience. You get an experienced attorney who has seen your situation before.
Focused Practice in Chapter 7 and Chapter 13 Bankruptcy
Cherney Law Firm focuses on consumer and business bankruptcy. That means Chapter 7 and Chapter 13, and nothing else. No family law. No personal injury. Just bankruptcy. This sharp focus means every tool, every process, and every answer is built around debt relief.
When you call, you get someone who knows bankruptcy law in depth, not a generalist who handles it on the side.
Serving Roswell and All of Metro Atlanta
Cherney Law Firm serves Roswell, Marietta, Alpharetta, Sandy Springs, Canton, Kennesaw, and many other Metro Atlanta communities. The firm is based in Marietta at 1744 Roswell Road, close to the communities it serves. Local roots matter in bankruptcy.
Court procedures in Georgia follow specific rules, and knowing those rules well can help your case move forward smoothly.
Kind, Personal Attention From Start to Finish
Every client gets direct, personal attention. You work with Matthew Cherney, not a paralegal or a rotating associate. Clients consistently describe the firm as kind, clear, and easy to talk to.
Debt is stressful. You deserve an attorney who listens, explains things in plain terms, and treats your situation with real care.
Your Chapter 13 Case, Step by Step
Chapter 13 bankruptcy in Georgia follows a clear process. Knowing what comes next can make the whole thing far less stressful.
Stage 1: Initial Case Review and Filing (Week 1–2)
Your first step is a review of your debts, income, and assets. We look at what you owe and what you earn. Then we file your Chapter 13 petition with the US Bankruptcy Court for the Northern District of Georgia. This filing triggers the automatic stay right away.
Stage 2: The Repayment Plan (Week 2–4)
You need to propose a repayment plan within 14 days of filing. This is a 3- to 5-year plan outlining how you will repay your debts. We are ready to build the plan around your income and allowable expenses under Georgia law.
The plan may let you catch up on mortgage arrears, pay off priority debts, and reduce what you owe on some loans.
Stage 3: The 341 Meeting of Creditors (About 30–45 Days After Filing)
The court schedules a 341 meeting, also called the meeting of creditors. You attend in person or remotely. The trustee asks basic questions about your finances. Most clients find this meeting short and routine.
We are ready to prepare you fully so you know what to expect.
Stage 4: Plan Confirmation (60–90 Days After Filing)
The bankruptcy court has to review and confirm your plan. Creditors may object, but most plans are confirmed with few issues. Once confirmed, you make monthly payments to the Chapter 13 trustee.
The trustee distributes those funds to your creditors in accordance with the plan.
Stage 5: Completing the Plan and Discharge (3–5 Years)
You make steady payments for the full plan term. Near the end, you complete a debtor education course required under federal law. After your final payment, the court issues a discharge.
Most remaining eligible debts are wiped out. You leave the process with a clean financial slate.
Talk to a Roswell Chapter 13 Bankruptcy Attorney Today
Debt doesn't have to run your life. At Cherney Law Firm, LLC, we can help you find a clear path forward.
Matthew J. Cherney and our team serve clients across Roswell, Cherokee County, and the greater Metro Atlanta area. We'll review your situation and walk you through your options, no pressure, no jargon.
Ready to take the next step? Contact us today and schedule a free initial consultation.
Frequently Asked Questions
Yes, but timing rules apply — you need to wait a set number of years after a prior discharge before you can file again. An experienced bankruptcy attorney can check your filing history and tell you if you qualify now.