Chapter 13 Bankruptcy Attorney in Northwest Georgia

Smart, Strategic Legal Help for Chapter 13 Bankruptcy in Northwest Georgia

Stop Foreclosure. Protect Your Property. Rebuild Your Finances.

If you’ve fallen behind on your mortgage, car payments, or other bills—but still have a steady income—Chapter 13 bankruptcy may be your best path forward. Jack Setters can help individuals in Ringgold, Dalton, and across Northwest Georgia restructure their debt, stop foreclosure, and protect what matters most.


With over 30 years of legal experience, Jack Setters offers trusted, judgment-free legal support designed to help you keep your home, your car, and your peace of mind.


Don’t wait until it’s too late. Fight Back with Jack—and take control of your financial future.

Get a FREE Consultation

Talk to a Chapter 13 Bankruptcy Lawyer Today

Chapter 13 Bankruptcy Contact Form

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, also known as a wage earner’s plan, allows individuals with a regular income to create a 3–5 year repayment plan to catch up on missed payments while keeping their assets.


It’s an ideal option for people who:

  • Have fallen behind on their mortgage or car loan
  • Are facing foreclosure or repossession
  • Make too much to qualify for Chapter 7
  • Want to consolidate debt into one manageable monthly payment


Once filed, the court issues an automatic stay, which immediately stops collection actions, wage garnishments, and foreclosure proceedings.

What Debts Can Be Reorganized in Chapter 13 Bankruptcy?

A Chapter 13 plan helps you restructure and catch up on many types of debt, including:


  • Mortgage arrears (missed home loan payments)
  • Car loan balances
  • Credit card debt
  • Medical bills
  • Personal loans
  • Past-due taxes and utility bills
  • Co-signed loan debt


You’ll make one affordable monthly payment based on your income, expenses, and total debt. At the end of the plan, remaining eligible debts may be discharged—giving you a clean financial slate.

Benefits of Filing Chapter 13 Bankruptcy

  • Stop Foreclosure and keep your home
  • Prevent Repossession of your vehicle
  • Consolidate Debt into a single, manageable payment
  • End Collection Calls & Wage Garnishments
  • Protect Your Business (if self-employed)
  • Catch Up on Payments Without Losing Assets


Jack will work with you to build a plan that fits your life—not one that leaves you stuck in the same cycle of debt.

How the Chapter 13 Process Works

Here’s what you can expect when you work with Jack Setters:



  1. Free Consultation — Review your finances and determine if Chapter 13 is the right fit
  2. Develop Your Repayment Plan — Jack creates a custom payment plan you can afford
  3. File Your Petition and Stop Collections — We file with the bankruptcy court and trigger the automatic stay
  4. Attend the 341 Meeting (Creditor Meeting) — Jack attends with you and ensures you’re prepared
  5. Make Payments for 3–5 Years — You’ll make one monthly payment to the court-appointed trustee
  6. Discharge Remaining Debts — At the end of the plan, qualifying debt is wiped clean