The United States bankruptcy laws were written to give people a fresh start with their finances. Many times, good, honest and hard-working people are faced with a financial crisis which was completely out of their control. This may involve the loss of a family member, the loss of employment, a divorce or many other situations. These events can cause a sudden change in someone’s finances and eventually result in bills getting severely behind, leading to the constant calls from collection companies, lawsuits being filed or even your home getting foreclosed upon.

What you need to know is YOU CAN TAKE CONTROL!

Bankruptcy Help

Our law firm has helped dozens of people in Marietta and elsewhere in Georgia, take control over their finances. Bankruptcy not only stops all the collection efforts from your creditors, but also gives you some breathing room to determine how you can best restructure your spending and overcome your current circumstances.

There are two major forms of bankruptcy.

Chapter 7 allows a person to completely discharge all of their debts. This would include car payments, credit cards, real estate, home loans – almost any debt. However, this would not include government taxes, child support payments, student loans and a few others.

Another benefit of Chapter 7 is that you can reaffirm or keep some of your debts while discharging or eliminating some of the others. For example, someone may want to maintain their house payment while eliminating their credit card bills.

The other form of bankruptcy offered by our firm is Chapter 13. Chapter 13 involves a restructuring of your finances so that you can catch up on any payments which you are delinquent or it can just lower the monthly amount which you have to pay to each creditor.  Note that businesses are not allowed to file Chapter 13 Bankruptcies

More specifically, we take to total of all your payments and condense it down into one low payment which has been drastically reduced. This reduced payment is used to pay off your creditors on a schedule which is affordable to you.

More importantly, Chapter 13 can help someone who

- is behind on their mortgage payment;

- behind on child support;

- behind on their taxes;

- behind on student loans, and many others.

Just remember, these laws were designed to help people, like you, return the enjoyment back into their life. Stop worrying about finances and bills and have fun again.

Call our office now so that we can immediately begin putting you back in control of your finances!!