If you are considering filing bankruptcy in Georgia, get the facts about the options available. By speaking with a Georgia bankruptcy lawyer, you can learn more about Chapter 7 and Chapter 13 bankruptcy laws and how they may affect you.
After hearing all of the details about the bankruptcy process, make an educated decision about your financial future.
To speak with a Georgia bankruptcy lawyer near you, simply fill out the form on this page, or call, toll free, 877-349-1309.
A Georgia bankruptcy lawyer will probably begin your consultation by explaining the difference between Chapter 7 and Chapter 13 bankruptcy.
This often includes what is called a means test. This involves asking some very personal questions about your assets, debts and your financial goals. These answers will help you and your bankruptcy lawyer determine if filing Chapter 7 or Chapter 13 bankruptcy is right for your circumstances.
Chapter 7 bankruptcy is often called “liquidation” because bankruptcy trustees in Chapter 7 bankruptcy cases have the option to sell any non-exempt property the debtor may own. However, in most Chapter 7 bankruptcy cases, there are no non-exempt assets, so no property is liquidated. Many unsecured debts may be discharged in Chapter 7 bankruptcy, making it an attractive option for many debtors.
Before filing Chapter 7 bankruptcy, you will likely want to find out from a local bankruptcy lawyer which and how much of your property may be exempt from liquidation.
Chapter 13 bankruptcy is usually called “reorganization.” Chapter 13 is designed for people with some income and lots of property they want to protect from repossession. Payment of past due debts are usually handled with a three-five year debt repayment plan that is approved by the court.
After filing Chapter 13 bankruptcy, one of a debtor’s first priorities will be putting together, with the help of your lawyer and the court, a proposed debt repayment plan.
Many times, people who are considering filing for bankruptcy feel overwhelmed by all of the details. A bankruptcy lawyer in Georgia can answer your questions about the state’s laws and how they apply to your case. This information may be helpful as you decide if bankruptcy is right for you.
Finding a Georgia bankruptcy lawyer is easy at Total Bankruptcy. Fill out the form below or call us at 877-349-1309, and we’ll connect you with a local sponsoring bankruptcy lawyer right away.
Note: Keep in mind all laws are complex. If you need legal advice or want to fully understand how these laws affect you, please speak with a local attorney.
Laws may have changed since our last update. For the latest information on your state's bankruptcy laws, speak to a local bankruptcy lawyer.
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