The Georgia Chapter 13 Plan is a form of debt relief that allows individuals who are facing financial hardship to reorganize their debt obligations and pay back creditors over an extended period of time. It is available to individuals with a regular source of income, and is designed to help those who are unable to pay off their debts in one lump sum. The Georgia Chapter 13 Plan is a type of bankruptcy, allowing individuals to create a payment plan to pay back creditors over a three-to-five-year period. During this time, creditors cannot initiate collection activities, such as wage garnishments or repossessions. Once the plan is complete, any remaining debt is discharged. There are three types of Georgia Chapter 13 Plans: the Standard Plan, the Modified Plan, and the Debtor Employment Plan. The Standard Plan requires the debtor to make payments to a trustee who distributes payments to the creditors in accordance with the approved plan. The Modified Plan is designed for debtors with a higher disposable income, and requires larger payments over a shorter period of time. The Debtor Employment Plan is for debtors who are unemployed or underemployed, and allows them to make reduced payments for a longer period of time. Overall, the Georgia Chapter 13 Plan is a form of debt relief that allows individuals to reorganize their debt obligations and pay back creditors over an extended period of time. It provides an alternative to bankruptcy, and is designed to help debtors regain financial stability.