Pooler Bankruptcy Lawyers
Assisting Clients With Bankruptcy in Georgia
Falling behind on your monthly payments can be one of the most stressful experiences in life. You may find yourself facing late fees and other penalties, harassing phone calls from your creditors, and the loss of your car or home. The longer you go without a solution, the more threatening the situation can become, which is why we recommend that you turn to a law firm that focuses its entire practice on debt relief.
At Barbara B. Braziel, Attorney at Law, we understand your dilemma. We work with people every day who find themselves in financial distress. Many of these situations have developed from matters beyond their control, such as serious illness or injury, job loss, self-employment failure, or family-owned business failure. These problems can lead to hefty medical expenses, loss of earnings, and increased use of credit cards that end up in insolvency.
Our firm is here to help you resolve your debt, restore your peace of mind, and get your life back on track. We provide focused and personalized legal service in which you will always have access to your attorney; you will never be turned over to a paralegal or “case manager.” We believe in giving all of our clients the attention and care they need throughout the legal process.
What is Bankruptcy?
Bankruptcy is a powerful legal process that allows you to seek relief and potentially eliminate some or all of your debt. Through bankruptcy, you can stop wage garnishment, repossession of your car or truck, or foreclosure.
Our firm handles personal bankruptcies through Chapter 7 and Chapter 13 filings.
- Chapter 7 is known as liquidation bankruptcy. It involves selling non-exempt assets to pay off as much debt as possible, with any remaining unsecured debt being discharged by the court. This is typically a quicker process, taking about four to six months.
- Chapter 13 is a reorganization process where you propose a repayment plan to pay off your debts over a period of three to five years. This option is suitable for those who have a steady income and can afford to make payments from their disposable income.
What Are the Steps For Filling Bankruptcy?
Filing for Bankruptcy involves the following steps:
- Complete a credit counseling course within 180 days before filing.
- Gather necessary documentation such as income, expenses, assets, and debt information.
- File a bankruptcy petition with the local bankruptcy court.
- Attend a meeting of creditors (also called a 341 meeting), where you'll answer questions about your financial situation.
- Complete a debtor education course to receive a discharge of debts.
Bankruptcy can offer several benefits, such as the discharge of your unsecured debts, like credit cards, medical bills, and personal loans, halt collection activities, from creditor harassment to lawsuits, and provide a chance to catch up on missed mortgage or car payments.
How Barbara B. Braziel Can Help
Our firm can be a valuable resource when considering bankruptcy. We can:
- Help you determine if bankruptcy is the right option for your situation.
- Advise you on which type of bankruptcy to file.
- Assist with filling out and filing the necessary paperwork.
- Represent you at the meeting of creditors and any additional court hearings.
- Guide you through the entire bankruptcy process and help you avoid potential pitfalls.
If you’re considering bankruptcy, we believe it is essential to consult with an experienced bankruptcy attorney to understand your options and navigate the complex legal process.
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