The idea of filing for bankruptcy can be overwhelming, even scary, for many people. Certainly, bankruptcy is a complicated area of law and there are a lot of common myths and misinformation believed by people about bankruptcy.

The Bankruptcy Process

Filing for bankruptcy is a serious financial decision, but it does not have to be frightening or confusing. We’ve designed the following 5-step process to help guide you to financial freedom:

  1. Contact Us

We offer free consultations to anyone in Savannah, GA and the surrounding area. Call us at (912) 351-9000, contact us on the web or email

Together we’ll review your debt relief options and explore if bankruptcy is the right choice for you and your family. We’ll explain the different chapters of bankruptcy and make sure you understand the benefits and drawbacks of each chapter.

When filing for bankruptcy, it is critical to hire a knowledgeable professional who specializes in debt relief and bankruptcy. The Law Offices of Barbara B. Braziel not only specializes in bankruptcy, we also have over 35-years experience helping people get out of debt. We’re the premier bankruptcy law firm in the Savanna, GA area. Let us help bring you financial relief.

  1. Prepare for Your Appointment

So we can review your specific situation, it is important that you prepare for your free consultation. Please gather 60 days of pay stubs and bank statements, copies of your bills, and a copy of last year’s tax return.

  1. Formulate a Plan

It is important that you formulate a plan to address your debt problems. When you work with our firm, we will lead you through the process of filing for bankruptcy from start to finish. Together we’ll evaluate your income and expenses and create a plan that will work for you.

  1. File with the Bankruptcy Court

We will prepare your bankruptcy petition. Then we will review it together to make sure that it is complete and accurate to the best of your knowledge. Bankruptcy is a complex area of law, and bankruptcy petitions are filed under the penalty of perjury.

Once your bankruptcy petition is complete, we will file it with the Bankruptcy Court on your behalf. As soon as your case is filed the automatic stay immediately takes effect. This means that all of your creditors must stop all collection action. The automatic stay stops foreclosure proceedings and repossessions (at least temporarily) and stops wage garnishments and bank levies. To learn more read our article The Power of the Automatic Stay and How It Helps You.

  1. Attend the Meeting of Creditors

Approximately one month after filing for bankruptcy you must attend a Meeting of Creditors. The meeting is conducted by the bankruptcy trustee assigned to your case. It is not held in a courtroom and there will not be a judge present. Also, while your creditors will be notified of the meeting, creditors rarely attend. Read our Survival Guide to the Meeting of Creditors to learn more!

Generally, in Chapter 7 cases there is little the debtor must do after the meeting of creditors concludes. However, Chapter 13 cases are more complicated and involve a 3 to 5-year repayment plan. Regardless of whether you file for Chapter 7 or Chapter 13 bankruptcy, we will help you through every aspect of your case from start to finish.

We hope this 5-step process helps you better understand the bankruptcy process!

Here at the Law Offices of Barbara B. Braziel we make sure you understand the benefits of bankruptcy and how filing will affect you and your family. We take the time to explain the bankruptcy process to our clients. We invite you to learn more about our firm here and come meet with us for a free no-obligation consultation.

Reach out to us by email at or call (912) 351-9000.


We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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