When we say that bankruptcy can help you gain financial freedom, it is not just lip service. Let’s take a look at the very real ways that bankruptcy has helped people just like you.

John & Debbie’s Chapter 13 Repayment Plan

John and Debbie are both retired and collecting social security. Their combined total monthly income is $2,025. Prior to filing for bankruptcy protection, John and Debbie owed an overwhelming $87,176 in unsecured debt. Month after month they could only make their minimum payments. They were trapped under the weight of this debt, with no end in sight.

John and Debbie made the decision to file for Chapter 13 bankruptcy. Chapter 13 sets up a three to five-year repayment plan to pay back some or all of your debt. In John and Debbie’s case, their Chapter 13 monthly plan payment is $150.00/month for 3-years.

Once John and Debbie complete their final plan payment, they will receive their bankruptcy discharge and the remainder of their unsecured debt will be erased. John and Debbie will be empowered to enjoy their retirement without the burden of overwhelming debt hanging over their heads.

George’s Story

George fell behind on his mortgage payments. Ultimately, he was faced with losing his house to foreclosure in 10 days time.

George filed for bankruptcy protection, which put an immediate stop to the pending foreclosure. Because George wanted to save his house, he chose to file for Chapter 13 bankruptcy. This gave George the opportunity to work out a home loan modification with his mortgage lender.

Filing for Chapter 13 bankruptcy protection allowed George to:

George’s story is a true demonstration of the power of Chapter 13 bankruptcy!

The Story of Our Clients Julie & Tom

Julie and Tom came to us for help right after their three cars were repossessed. Julie and Tom both had good jobs, but for reasons beyond their control, they had fallen behind on their car loans. Without their cars to get to work, they were both at risk of losing their jobs.

Julie and Tom filed for Chapter 13 bankruptcy protection. All three of their cars were returned within 4 business days! They were able to make up their missed car payments and continue to make their monthly payments as they became due.

Chapter 13 bankruptcy didn’t just save Julie and Tom’s cars, it saved their jobs.

Bankruptcy is A Powerful Legal Tool That Truly Helps People

As illustrated by the stories above, bankruptcy helps real people in real ways. Filing for bankruptcy protection is your legal right and a tool to end your financial struggle. Bankruptcy has the power to:

  • Erase credit card debt
  • Erase medical debt
  • Erase most unsecured debt
  • Stops harassing phone calls from creditors
  • Stop wage garnishment
  • Stop bank freezes and levies
  • Stop lawsuits filed by creditors and other plaintiffs
  • Puts an end to all collection action
  • Allows you to keep most or all of your belongings, including your home and car (depending on your specific situation)


When you’re no longer living under a massive amount of debt, you can really start anew. The monthly payments you were making toward credit cards or medical bills is now freed up. You can redirect that money to creating an emergency fund, building a retirement account, and making wise financial choices for your family’s future.

Our Story

Barbara started this law firm 35-years ago because of her own financial crisis. At the time, she was raising three children as a single mom. Barbara knows what financial struggle is. All of us here at the Law Office of Barbara B. Braziel want to help you get out from under the weight of financial stress and gain financial freedom. We invite you to get to know us here.

Let us help you get out of debt. We offer free consultations to people in Savannah, GA and the surrounding areas.


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

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