Chapter 13 Bankruptcy

Protect your home. Keep your car. Reclaim control over your finances.
If you’re falling behind on mortgage payments, facing repossession, or dealing with wage garnishment, Chapter 13 bankruptcy can provide the structured relief you need.

At the Law Office of H. Brooks Cotten, we’ve helped countless families in Newnan and surrounding counties stop foreclosures and regain stability through court-approved repayment plans.

What Is Chapter 13 Bankruptcy?

Sometimes called a “debt relief” plan, Chapter 13 allows you to:

• Immediately stop foreclosures, garnishments, and repossessions
• Catch up on missed payments over a 3–5 year period
• Consolidate debts into one affordable monthly payment
• Protect your home, car, and other assets

Unlike Chapter 7, which wipes out debt, Chapter 13 restructures your obligations into a payment plan based on your income — giving you the time and protection to catch up without losing what matters most.

Do You Qualify for Chapter 13?

If you have a steady source of income and want to avoid losing your home or vehicle, you may be a strong candidate for Chapter 13. We’ll evaluate your situation, walk you through the requirements, and help you decide if it’s the right fit — all during your free initial consultation.

Why Clients Choose H. Brooks Cotten

• ✅ 30+ years of bankruptcy experience
• ✅ Personalized, compassionate legal support
• ✅ Licensed in Georgia, Alabama, and California
• ✅ Deep knowledge of local courts and trustees
• ✅ Proudly serving Newnan, GA and surrounding counties:
  • Coweta
  • Spalding
  • Carroll
  • Fayette
  • Troup
  • Haralson
  • Heard
  • Meriwether