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You Can Have A Debt Free 2017

It’s the beginning of a new year, and like so many, you may have made some new year’s resolutions. Is one of your goals for the new year to get out of debt?

If so, you have come to the right place. Sure many resolutions are forgotten by the end of January, but yours doesn’t have to be. If you want to get out of debt in 2017, we’re here to help you do it.

If you’re experiencing financial hardship, filing for bankruptcy might be the right choice for you; however, it might not be. Without learning about and exploring all of your debt relief options, you can’t know which option is best for you and your family.

We offer free consultations to anyone in the Savannah, GA area. We are not in the business of talking people into filing for bankruptcy if they don’t need to. We’re in the business of helping people get out of debt. Come meet with us and learn about how you can have a debt free 2017!

Call us right now (912) 351-9000 to schedule a free consultation.

It is time to explore your options to handle your financial struggles if:

  • You are drowning in credit card or medical debt.
  • Your wages are being garnished.
  • You’ve been sued by a creditor for nonpayment of debt.
  • You’ve fallen behind on your house or car payments.
  • You’re only able to make the minimum payment on your credit card bills and you cannot reasonably pay off your debts within three years.


When is the Best Time to File Bankruptcy?

This is a tricky question. The answer is specific to each person and their unique set of circumstances. And when it comes to filing for bankruptcy – the timing may be critical.

It is important to examine the specifics of your case to determine the best to file bankruptcy.

Most often the answer to “when is the best time to file for bankruptcy?” is now. This is because the longer you go without paying back your debts, the greater your risk of being sued, and ultimately having your wages garnished or bank account levied.

On the other hand, for some people waiting to file for bankruptcy is important. For example, certain older income tax debts can be erased in bankruptcy. In these cases, it may be beneficial to hold off on filing. At our free consultation we will review your specific situation together to determine if bankruptcy is the right choice for you and when the most advantageous time to file is for you.

You Can Have A Debt Free 2017

Our goal is to help you gain financial freedom to help you make today the first day of the rest of your life. We will explain the bankruptcy process and make sure you understand how filing for bankruptcy will benefit you and your family. We offer free consultations to all of our clients.

Bankruptcy Can End Your Financial Struggle And Help You Gain Financial Freedom.

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Take charge of your financial future and reach your goal of getting out of debt! The stress relief will invigorate you!

Wishing you all a Happy, Joyous & Rewarding New Year!!


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


The Bankruptcy Discharge Order

Receiving a Bankruptcy Discharge Order from the bankruptcy court is the goal when you file for bankruptcy.

A bankruptcy discharge is a court order that releases you from personal liability on certain debts. You are no longer legally required to pay back any debts that are part of your bankruptcy discharge. Further, the creditors of discharged debts can never legally attempt to collect payment on those debts.

Discharge Does Not Apply to All Debts 

Bankruptcy discharge applies to unsecured debts, which includes credit cards, medical debts, personal loans, and other consumer debts.

Bankruptcy discharge does not apply to debts that are deemed nondischargeable by the Bankruptcy Code. Debts that are nondischargeable are not erased by bankruptcy, and you are still liable to pay them back even after successfully filing for bankruptcy. Nondischargeable debts include student loans, some taxes, back child or spousal support, as well as some other types of debt.

When you hire us to help you file for bankruptcy, we will review your specific situation and make sure you know which of your debts will be erased by your bankruptcy.

Discharge Erases Personal Liability Only

It is important to understand that bankruptcy discharge applies to personal liability only. This matters in regard to any of your secured debts. Secured debts are those backed by collateral, such as a home mortgage or car loan.

To illustrate why this matters, consider the following example:

Say you have a secured car loan. If you fail to make your payments on the car loan, the creditor has the right to repossess the car. In the absence of a reaffirmation agreement, after receiving your bankruptcy discharge you would no longer be personally liable to pay back the debt on the car, but if you fail to make your monthly payments the creditor retains the right to repossess the car.

Discharge is Granted at The End of the Bankruptcy Case 

The Bankruptcy Discharge Order is issued from the Bankruptcy Court at the end of a successful bankruptcy case.

The timing of when discharge is granted depends on which chapter of bankruptcy you file. If you file for Chapter 7 bankruptcy you will be granted discharge after the time has tolled for your bankruptcy trustee and creditors to object to discharge. In a Chapter 7 you can typically expect a discharge 4 to 6 months after the date your case is filed. If you file for Chapter 13 bankruptcy you will be granted discharge after you have made all payments under your repayment plan.

Creditors Must Cease All Collection Action Even Before Discharge

During the time you are awaiting your bankruptcy discharge your creditors are not allowed to attempt any collection action against you. All collection activity must stop as soon as your bankruptcy case is filed. Read our articles here and here on the power of bankruptcy to stop all collection action.

Here at the Law Offices of Barbara B. Braziel we 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 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.


Get Stress Relief: Stop Creditor Calls and Collection!

Have you fallen behind on your bills and now your phone is ringing non-stop with debt collection calls? Are you being harassed by calls from collection agencies? Does your stomach knot up every time you see a random (888) number pop up on your screen?

Did you know you have the power to stop collection calls yourself?

We want you to know your rights. There are laws in place to protect you from being harassed by creditors. No matter how much money you owe, or how far you’ve fallen behind on payments, nobody has the right to abuse you or mistreat you because of it.

The Fair Debt Collection Practices Act (FDCPA) is federal law designed to protect you and stop abusive, deceptive, and unfair debt collection practices. Even in the face of these powerful laws, many creditors still engage in illegal and abusive debt collection practices in violation of your rights under the FDCPA.

How to Stop Creditor Calls

Under the FDCPA, once you notify a collection agency in writing that you do not want to receive phone calls, they cannot legally continue to call you except under certain circumstances. If they continue calling, you have the right to sue them for violating your rights.

To get the collection calls to stop, follow these steps:

  1. Send the collection agency a letter telling them to stop calling you.
  • Send the letter by certified mail, so you have proof of delivery
  • Keep a copy of the letter
  • Do not provide any information the collection agency does not already have (such as your current address or phone number, name changes, etc.)
  1. Keep a record of everything.
  • Including letters, log of phone calls, voice mails, and notes on any conversations.
  • If you speak to a collection agency, make notes on what was said, and note the date, time, and agent’s name and employee ID number.

What to write in the letter:

To ensure the creditor understands you know your rights, use the following language in the letter:

This letter is to notify you in writing that I no longer wish to receive communication from you, including phone calls, in regard to the alleged debt. Pursuant to the Fair Debt Collection Practices Act § 805, 15 U.S.C. § 1692(c) you must cease all communication with me, family members, or my employer.

You may only contact me to notify me in writing of your intention to either pursue specific remedies or terminate collection attempts.

This letter is in regard to ceasing communication, and is not, and should not be construed as, an admission regarding any alleged debt.”

The Debt Still Exists Even If the Collection Phone Calls Stop

It is important to understand that even if the phone calls have stopped, the debt still exists. Even if they are not calling you, your creditors can take collection action against you, including suing you for unpaid debt.

Did you know bankruptcy stops all collection action, including law suits, wage garnishments, and bank freezes? To learn more, read our article here.

Certainly stopping harassing credit calls will help you get stress relief. However, we encourage you not to ignore or avoid your debt problems. We’re here to help you get out of debt. We even offer free consultations to anyone in Savannah, GA and all of the surrounding areas.

Follow us on Facebook for more tips to stop creditor harassment!


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


Follow These Tips to Assess Your Finances

Solid financial management requires taking honest stock of your finances. We recommend that you assess your finances quarterly, every three months. And at a minimum, not less than once a year.

Taking the time to assess your finances lets you know if you’re on track to achieve your financial goals. If you’ve veered off track, it affords you the opportunity to correct course. Achieving any financial goal, whether it is to get out of debt, buy a house, save more, or take that long awaited trip to Bali, requires that you honestly and critically assess your finances.


Calculate Your Income

It is important to know how much income you have each month.

Calculate your income including your paycheck, income from a second job, child or spousal support payments, retirement income, social security benefits, pension income, or any other source of income, like sales from an Etsy store. When calculating your income, make sure to include all sources of income, including sources that may not come in on a regular schedule, such as book royalties.


Calculate Your Expenses

As important as knowing how much income you have each month, it is critical that you know what goes out each month.

  1. List your fixed monthly bills first. These include your mortgage or rent, car payment, insurance, student loans, utilities, cable, phone, and other regularly occurring monthly bills.
  2. List your expenses that vary month to month. These include food, gas, and entertainment expenses.
  3. List your expenses that occur throughout the year. These include property tax, car maintenance, tag renewal, birthday and holiday gifts for family and friends, etc.

For a true picture of your monthly expenses, add up all of these numbers and divide the total by twelve. This gives you your monthly expense figure that accounts for the large expenses that occur every year, but do not occur monthly.

For some people calculating their expenses proves a challenging task. If you’re having a difficult time figuring out where your money goes, track your expenses for a month. This will give you the opportunity to see what you’re really spending your money on.


The Nitty-Gritty: Income Minus Expenses

Subtract your monthly expenses from your income. If the number is positive, that is the money you’re saving each month. If the number is in the negative, you are spending more than you earn and it is time to take a serious look at your expenses. Living in the negative each month can lead to serious debt problems.

Review your expenses with a critical eye and find places where you can trim. Maybe you don’t need your cable tv because you have a subscription to Netflix or Hulu. Or, maybe you can make coffee at home and forego the $5.00 morning latte.


Create A Budget & Stick To It

Reaching any financial goal requires sticking to a budget. Getting out of debt, saving more, having a down payment for a house, all require establishing a budget and sticking to it.

There are dozens of free apps that can help you create a realistic budget. We encourage you to set realistic goals so that you do not feel deprived in the process of trimming expenses and reaching your financial goals.

Remember to take the time to review your finances regularly. Pay particular attention to your expenses. Cutting back doesn’t have to be difficult or extreme, but can make a significant different in how quickly your reach your financial goals.


Honesty Is The Best Policy

If you’re deep in debt, have fallen behind on payments, and your credit card debt is mounting, it is time to take back control of your finances.  Take an honest look at your situation. It may be time to explore all of your debt relief options, including bankruptcy.

Follow us on Facebook for money saving tips and information on how to get out of debt!

Meet with us for a free, no-obligation consultation. Call us at right now at (912) 351-9000, or email We are here to help you evaluate if bankruptcy is the right choice for you.

We are proud to serve people in Savannah, Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, and Ludowici Georgia.


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


Handling the Holidays on a Budget!

There is a song played on repeat year-after-year that tells us the holidays are the most wonderful time of the year. Whether or not you agree with the song, we can all agree that the holiday season can quickly get very expensive!

It can start early with costly Halloween costumes, and left unchecked can quickly move forward with lavish feasts, pricey gifts, and an astonishing credit card bill. But with some wise and intentional choices, you can handle the holidays on a budget.

First and foremost, if you are in the midst of financial struggles, or you are simply committed to sticking to your budget, know that it is okay to not give physical gifts. It is okay to decline invitations to pricey events or entertainment outings.

Your healthy financial future depends on making wise decisions today. To help you out, our law office has put together our favorite tips for handling the holidays on a budget.


Holiday Décor

You can find really beautiful, and terribly expensive, holiday decorations in fancy craft stores all across the county. But these items are not necessary to deck your halls with stunning décor.

Remember that simple is elegant. Get a little creative, and a whole lot crafty.

Repurpose items you already own. Scour the dollar store for hidden gems that can be used as-is, or spruced up with some paint, glitter, or faux-powdered snow. Go au natural with your décor. Use leaves, cones, carefully selected tree branches, and dried flowers to decorate the house.


Homemade Holiday Dishes

The holidays are the perfect time to share homemade dishes with your loved ones! There is something special about homemade dishes and using recipes passed down from generation to generation. The added bonus? Dishes you make are less expensive than their store-bought counterpart. Homemade helps you handle the holidays on a budget!


Carefully Select Events & Entertainment

When you’re dedicated to sticking to a budget, you simply can’t do it all. Select the holiday events that are most important to you, and go only to those. This means you may have to decline invitations from well-meaning family and friends. It is okay to say “no.”


The Gift Of Time: Save Money By Not Shopping

One excellent way to handle the holidays on a budget is by not shopping. Everyone wants to give their loved ones nice gifts, but the truth is, the gift of your time is more precious than any store-bought gift.

Take time to be present with you love ones. The gift of your time and attention is the most meaningful gift of all.

Remember that the holidays are not about expensive gifts and lavish meals, they are about celebration, love, and giving thanks.

Wishing you a Happy Holiday Season from all of us at the Law Offices of Barbara B. Braziel!

We are here to give you the fresh start you deserve. Contact us today to schedule a free consultation.


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


Erase Debt with Chapter 7 Bankruptcy

Living under the weight of debt can feel debilitating. Hearing your phone ring constantly with calls from creditors. Wondering how you’re going to stay current on your monthly bills and pay back your mounting debts. Chapter 7 bankruptcy might be the solution to your debt problems.

Nobody wants to file for bankruptcy, but please know there is no shame in it. Bankruptcy is your legal right. Here at Law Offices of Barbara B. Braziel we help hundreds of families, just like yours, file for bankruptcy protection every year.

Chapter 7 bankruptcy is a powerful tool to erase your debts and give you the fresh financial start you deserve. We’re here to answer all of your questions. Call us right now (912) 351-9000 to schedule a free consultation.

What Debts Can Chapter 7 Bankruptcy Erase?

Debts that can be erased through bankruptcy are dischargeable debts. Debts that cannot be erased through bankruptcy are known as nondischargeable debts. Chapter 7 bankruptcy has the power to completely eliminate a number of dischargeable debts.

The following types of debts are generally dischargeable in Chapter 7:

  • Credit cards
  • Medical bills
  • Collection agency debts
  • Personal loans
  • Past due rent
  • Most civil court judgments (unless based on fraud)
  • Certain tax debts (older tax liabilities may be erased)
  • Other unsecured debts (debts that are not backed by collateral, such as a home or car)

If you successfully file for bankruptcy, these dischargeable debts are erased forever and you are not obligated to pay them back.

The following types of debts are nondischargeable:

  • Student Loans
  • Certain tax debts (newer tax liabilities are not erased)
  • Back child or spousal support
  • Secured debts, such as your house or car (if you want to keep the item, you must pay back the loan)
  • Civil or criminal debts based on fraud

Even if you successfully file for bankruptcy, these nondischargeable debts are not erased and you are still legally obligated to pay them back.

Should I Consider Filing For Chapter 7 Bankruptcy?

If you’re struggling to pay back your debts, it is time to take an honest look at your finances. If you cannot reasonably pay off your unsecured debt, including credit cards and medical bills, in two years, then it is time to consider filing for bankruptcy.

Chapter 7 may be a good option for you to get out of debt if:

  • You do not make a lot of money. Qualifying for Chapter 7 is simple if you make less than the average median income for your state.
  • You do make a lot of money, but you have a lot of secured debt (loans back by collateral, such as a house or car), or business related debt. It is a myth that people who make a lot of money cannot file for bankruptcy. Even if you earn well-above the media income, you may be able to qualify for Chapter 7 relief.
  • You have not fallen behind on your house or car payments.


We Offer Free Consultations

Follow us on Facebook to learn more about how Chapter 7 bankruptcy can erase your debts. We are here to give you the fresh start you deserve. Contact us today to schedule a free consultation.

We proudly serve 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.