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Bankruptcy 101

Bankruptcy Is A Legal Solution to reduce or eliminate debt, control actions that creditors can take against you and provide you with a fresh financial start. Bankruptcy laws were created to help average, hard working people that have become overwhelmed by their financial plight. Bankruptcy will be noted on your credit report for 7-10 years but you will be able to restore your credit with proper attention to your finances. There are several types of "Chapters" to file and an experienced bankruptcy attorney can advise you as to what is appropriate for your situation, and guide you through the intimidating bankruptcy process.

Bankruptcy Protection

Bankruptcy Protection Against Creditors, Foreclosure, Repossessions is a certainty when you file for bankruptcy. All chapters of bankruptcy can stop collections efforts including garnishment of wages, harassing phone calls, collections letters, home foreclosures and creditor lawsuits. This part of the bankruptcy protection is referred to as the "automatic stay". The protections provided by the "automatic stay" are immediate when you file for bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is designed for debtors having financial difficulty that do not have the ability to pay their existing debts. It is best suited to those cases in which the majority of debt is unsecured. Debtors can protect certain assets up to a predetermined amount. This is probably the most common form of personal bankruptcy. Click the link to learn more about Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is a total reorganization of the debts for an individual with regular income which is designed for debtors that are behind on secured debts such as home mortgages and car loans. The goal is to resume regular monthly payments and pay the arrearages over time. The U.S. Bankruptcy Code gives the debtor a maximum period of 5 years to repay creditors. A Chapter 13 is completed under the supervision of the courts. Click the link to learn more about Chapter 13 Bankruptcy

Debts That Cannot Be Discharged

  • Debts acquired after filing for bankruptcy.
  • Debts owed as part of a divorce settlement or lawsuit.
  • Student loans (except very rare hardship exceptions)
  • Debts not listed for the court to consider.

Get Bankruptcy Help!

Getting Bankruptcy Help is as easy as calling our office to set an appointment for a FREE CONSULTATION. We have great payment options for our services and we can quickly help you get peace of mind from the benefits and protections afforded by bankruptcy laws. For an appointment please call 770-222-1400. We look forward to helping you find relief with our bankruptcy attorney services.

North Georgia Federal Courts

Atlanta Division
75 Spring Street
Atlanta, Georgia 30303
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Rome Division
600 East First Street
Rome, GA 30161
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Gainesville Division
121 Spring Street
Gainesville, GA 30501
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Newnan Division
18 Greenville Street
Newnan, GA 30264
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.