Making the decision to file for bankruptcy is not an easy one. Many of our clients express to us, feelings of guilt or shame. We encourage you to think of bankruptcy as a financial decision – and if you’re choosing to file, it is because it is the right financial decision for you. Living under the weight of debt is stressful and holds you back from creating a healthy financial future for yourself and your family.

How do you evaluate if bankruptcy is the right choice for you? First, consult with an experienced bankruptcy attorney. Many bankruptcy attorneys offer free consultations, so you can learn about how bankruptcy can benefit you. If you live in the Savannah, GA area we invite you to come meet with us for a free consultation!

Second, be honest with yourself about your situation. If you are experiencing any of the following situations, then it is time that you seriously consider how filing for bankruptcy can help you and give you the fresh, debt-free start that you deserve:

  • If you are making only your minimum monthly payment on your credit cards.
  • If you have been sued for non-payment of debt, or if your wages are being garnished or bank accounts levied.
  • If you have fallen behind on your monthly bills.
  • If you are taking drastic measures just to stay current on your monthly bills, such as borrowing against your home or retirement savings.
  • If you have or are facing a home foreclosure or car repossession.
  • If you are older and have a lot of credit card or medical debt, but do not have much in retirement savings.
  • If your debt load is very large in relation to your income.

If any of the foregoing are happening in your life, it’s time to seriously consider the benefits of bankruptcy. Essentially, if you are carrying a massive amount of debt that you cannot reasonably pay off in the next three years, bankruptcy may very well be the best solution for you.

It is important for you to understand the benefits and drawbacks of bankruptcy, and to understand which of your debts can and cannot be erased in bankruptcy. While credit card debt and medical debt are erased through bankruptcy, debts such as student loans, back child or spousal support, and some other types of debts are not erased through bankruptcy.

Consult with a bankruptcy attorney to learn how bankruptcy will affect you specifically. You may be surprised to learn that many people who file for bankruptcy get to keep most or all of their belongings. You may also be surprised to learn that bankruptcy is not a courtroom battle.

Here at the Law Office of Barbara B. Braziel we will make sure you understand the benefits of bankruptcy and how filing with 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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