Seek a Fresh Financial Start with the Guidance of an Atlanta Bankruptcy Attorney!
If your struggles with debt have consumed your life, speak now with an Atlanta bankruptcy attorney. He or she knows how the new bankruptcy laws can help you regain the control you need over your finances. Don't continue to watch your debts grow and grow while you scramble and scrape to make payments that seem to have no effect on your balances. Instead, work with your professional Atlanta bankruptcy attorney to create an effective plan for relieving your out-of-control debt. This professional knows how to prepare you for this process by giving you the information you need so you can decide on the course of action that suits your needs the best. Deal head-on with your anxieties about creditor harassment, repossession and foreclosure with counsel from an Atlanta bankruptcy attorney.
Learn about the Two Bankruptcy Protections that the Law Provides from an Experienced Atlanta Bankruptcy Attorney!
Under the law, the term "bankruptcy" refers to two wholly different processes: Chapter 7 bankruptcy and Chapter 13 bankruptcy. Chapter 7 bankruptcy is perhaps the most generally understood, offering petitioners the opportunity to wipe out much of their unsecured debt—i.e., debt that requires no collateral; this includes credit card debt and medical or utility bills. Less well known is the Chapter 7 bankruptcy option of selling off, or "liquidating," the petitioner's non-exempt assets to pay creditors. This option is often not exercised, though, because a majority of Chapter 7 bankruptcy petitioners don't have any non-exempt assets. This is often a good choice for those whose unsecured debt is so overwhelming that they simply have no means of repaying it.
Chapter 13 bankruptcy is a protection that centers around a customized repayment plan based upon the debtor's income and living expenses. The aim of this plan is to re-organize the debtor's finances to create extra time for paying off arrears without crippling finance and late charges. Chapter 13 bankruptcy can be an excellent option for those whose regular incomes allow them to make regular payments, but who can't seem to catch up; often, this is due to sudden unavoidable expenses like medical bills not covered by insurance.
Take Advantage of a Free, No Obligation Consultation with an Atlanta Bankruptcy Attorney!
Don't let your stress and worry about debt pressure you into hasty, uninformed decisions. An experienced Atlanta bankruptcy attorney knows how the law can help you find relief and will answer any questions you might have about your options. Best of all, a consultation with an Atlanta bankruptcy attorney does not put you under any future obligation; it is simply one way Total Bankruptcy provides opportunity to learn about your rights and options under today's new bankruptcy laws.
The Total Bankruptcy website offers one convenient place to access a variety of information and resources about Chapter 7 bankruptcy and Chapter 13 bankruptcy. There are articles and other information regarding both processes, including general descriptions, lists of debts that qualify for discharge, and explanations of options like the automatic stay, which might buy you some time you need to get a handle on your finances. The site also offers an easy way to connect with an Atlanta bankruptcy attorney: simply fill out our free bankruptcy case evaluation form or call out toll free telephone service at 1 (877) 349-1309. We will match you with a bankruptcy lawyer in your area, who will consult with you free of charge and provide valuable information so you can decide confidently which direction you want your finances to take.