At the law office of Barbara B. Braziel, you can get a fresh financial start. We have over 35-years of bankruptcy experience. Our team has helped thousands of people keep their cars, their homes, and other belongings while eliminating dischargeable debts through bankruptcy. We strive to make the process as easy for our clients as possible.

To that end, we address many common bankruptcy questions on our blog. If you have a question about bankruptcy, feel free to write to us at or schedule a free consultation here.

In the meantime, read on for a recap of our most popular blog articles!

Chapter 7 & Chapter 13 Bankruptcy

Individuals can file either Chapter 7 or Chapter 13 bankruptcy. Chapter 7 bankruptcy is generally the quickest and simplest chapter. It erases most unsecured debts, without a repayment plan, and typically can be completed in four to six months. Chapter 13 bankruptcy creates a three to five-year repayments plan to pay back some or all of your debts.



Bankruptcy Stops All Collection Action

As soon as you file for bankruptcy, all collection action against you must stop.

The Automatic Stay is a provision in the U.S. Bankruptcy Code that makes it illegal for creditors to attempt to collect on debts from a person who has filed for bankruptcy protection.


The Means Test & Qualifying For Bankruptcy

The means test is a review of your income minus expenses. It determines whether or not you qualify for bankruptcy relief under Chapter 7.

If your net income falls below the state median for your household size, then you automatically qualify for Chapter 7 bankruptcy. and you do not have to run the means test. If your net income is above the state median for your household size, then you must run the means test to determine whether or not you qualify for Chapter 7 bankruptcy. Do not let the means test deter you from exploring how bankruptcy can help you. The fact is many people who file for Chapter 7 earn above the median income.



Keeping Your Car, House, and Other Belongings Through Bankruptcy

It is a myth that filing for bankruptcy means that someone will come and seize all of your belongings. The fact is, most people who file for bankruptcy are able to keep most or all of their belongings.

Bankruptcy law provides for you to keep the property, assets, and other belongings valued up to a certain dollar amount through exemptions. Property that is protected in bankruptcy is known as “exempt property.” You get to keep the exempt property if its value does not exceed a certain dollar amount. The Georgia exemption amounts can be found here.



Things We Want You To Know About Bankruptcy

Many of our clients come to us afraid, misinformed, or even ashamed. It is our goal to help each client work through any fear or shame they may feel. We find that education and bankruptcy facts go a long way in curing misinformation, as well as fear or shame.


Financial Tips & Wise Money Management

We are not interested in just getting people out of debt, we are committed to helping people make wise financial decisions. Our hope is for our clients to make the most of their fresh financial start after their debts are discharged in bankruptcy. We also hope our blog articles will help people who do not need to file for bankruptcy to save more, spend less, get out of debt, and enjoy financial health.



For a free consultation contact us today (912) 351-9000!

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If you have questions about bankruptcy, call us today (912) 351-9000 to schedule your free consultation. The Law Offices of Barbara B. Braziel proudly serves all of Savannah, GA and the surrounding counties including Chatham County, Effingham County, Bulloch County, Bryan County, Liberty County, Long County.


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

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