If you have been negatively affected by COVID-19, there may be options available to you in order to keep your bankruptcy plan on track. You do not have to choose between putting food on the table and paying for bankruptcy.


Georgia’s #1 Firm for Affordable Bankruptcy

“Excellent! Awesome advice, communication, and just all around a very positive experience. My case was a little unique and Randall was the only one in north Georgia that would take it on. Long story short, we won. Thank you!!”

– Brandon Freeland

Professional Advocates YOU CAN TRUST

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Choose a Georgia Bankruptcy Attorney Who Puts Your Future First


If you are facing mounting debt, you may have legal options. Turn to a trusted Georgia bankruptcy attorney at Bournakis & Mitchell today and begin moving forward.

Professional Advocates YOU CAN TRUST

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Areas Of Practice

Our Debt Relief Solutions
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IS Bankruptcy Right For You?

COVID-19 Financial Hardships

Are you looking for advice as to what you should do about your financial woes? Fill out the form to receive a free guide on how filing bankruptcy can help you get out of debt.

Start Living Debt-Free Today

At Bournakis & Mitchell, P.C., we offer help to those in need of financial relief, to those who are being constantly harassed by collections agencies, and to those who are in fear of losing their car or home. Bankruptcy protection can stop foreclosure, end wage garnishment, or help you get caught up on your rent.

Our Georgia Bankruptcy Makes It Easy to File For Bankruptcy

Many clients come to us during the absolute lowest points. Although your finances may seem overwhelming, we want to ensure you that financial troubles can be resolved. Our  Georgia bankruptcy law firm can handle all legal aspects of your case so you can focus on what matters: living life free of the burden of debt.

Bournakis and Mitchell: A Local Firm Focused on Debt Relief Solutions

Money problems can be solved with savvy, proficiency, and insight, and we want to remind you that pursuing protection under the U.S. Bankruptcy Code will certainly not equal the end of everything. We recognize that we are all human and hardship can befall anyone, so we take a very human approach to client representation by building a strong attorney-client relationship from the get-go. 

As trusted bankruptcy lawyers, we love what we do and can use our natural talents and skills to help you get back on the right track. Once we have helped you overcome your financial hardship, we know that we have done our job as trusted advocates and counselors.

Real Lawyers Devoted to Helping Real People

Experience Financial Freedom Once and For All. Call (706) 252-9950.

At  Bournakis & Mitchell, P.C., we pride ourselves on offering a different type of client experience. We aren’t a traditional, stuffy law firm that churns over bankruptcy cases just to get on to the next one. Since our firm’s founding, we have always been a law firm for the people.

In other words, we are real attorneys who help real people facing real problems. It may seem simple, but it is an effective way of practicing law.

We are a small firm with no support staff. What does this mean for you? When you contact our firm, whether via e-mail, phone or text, you will always speak with an attorney who knows about your case, your needs, and your goals. This service sets us apart from other firms who do not have the luxury of being available to their clients like we do.

Our professional bankruptcy assistance has helped many men, women, and families take charge of their financial difficulties, giving them hope and peace as well as a plan to help them rise above their financial challenges for the present and the future.

We proudly handle bankruptcy and other related cases throughout  Georgia. Our bankruptcy attorneys have an extensive track record of successfully helping Georgians in need of legal assistance deal with financial issues.

Our team is solely devoted to helping you reach a positive outcome that puts you in the best possible position for long-term financial freedom. Contact us to get started.

The Basics of Georgia Bankruptcy Law

Bankruptcy is the legal vehicle by which people, corporations, or small business owners can discharge debts they cannot pay. It was enacted as a federal law aiming at allowing debt relief. 

Once an experienced attorney has enacted a bankruptcy filing, then a court order known as an automatic stay is issued to protect you from creditor collection actions. In this case, they may not seek any payments or any other property from their clients. This can help stop wage garnishment and other collection actions.

Why You Should Choose A Georgia Bankruptcy Attorney To Represent You

You may be wondering whether it is worth hiring a Georgia bankruptcy lawyer or just handling it on your own. At Bournakis & Mitchell, we aim to help our clients utilize bankruptcy law to discharge debts so that they can maintain a debt-free life and have a fresh start away from the crushing weight of overwhelming debt. The following are some of the reasons why you should consider choosing Bournakis & Mitchell to provide legal advice and advocacy for your bankruptcy case.

Offer Protection from Creditor Harassment

If you have fallen behind on your payments, you are likely being harassed by collection agencies or creditors wanting you to pay off your debts. A Bournakis & Mitchell bankruptcy lawyer may reach out to the creditors and get the annoying collection calls to stop. This allows you to relax and focus on taking steps to gain back your financial independence and come up with a payment plan.

Help You Stay On Top of Your Paperwork

Completing the paperwork process to file bankruptcy can be time-consuming and tiresome. If the paperwork is not filled out correctly, it may lead to complications during the filing process. Apart from this, you may also have to gather lots of supporting documentation to go along with your application. An experienced bankruptcy attorney from the  Georgia law offices of Bournakis & Mitchell will keep you on track with everything that you may need and dispel any myths about bankruptcy that could lead to a misstep in your case.

Offer You Peace of Mind

Once you leave a professional to solve your bankruptcy case, knowing your case is in good hands could relieve much of the stress that has been weighing you down. Our attorneys know how to proceed and will inform you of the status of your case every step of the way. Making mistakes can be pretty costly in the legal realm and may affect your finances, time, and efforts. Hiring a competent lawyer can save you money in the long run while saving you from the headache of filing on your own.

The Filing Process Followed By Bankruptcy Law Firms in GA

The first step of filing a bankruptcy case is gathering information. A well-versed lawyer ensures they have collected all information and documentation that may be helpful in your case. You will also have to complete a bankruptcy course which takes about 2 hours. Once you complete the course, you receive a certificate which is filed with your paperwork.

The next step is to prepare legal documents that outline your income, debts, household expenses, and a list of assets. You will be required to accompany your lawyer to attend the creditor’s meetings and appear at other hearings. The last step is to finalize bankruptcy and credit counseling based on the type of bankruptcy that suited you in the first place.

When individuals have to file bankruptcy, they must visit one of their local bankruptcy courts. However, bankruptcy in Georgia is governed by federal law, so individuals facing bankruptcy matters have to file both their Chapter 7 and Chapter 13 cases in federal court.

If you filed Chapter 7, the bankruptcy would be finalized in about four months. If you filed Chapter 13 bankruptcy, the bankruptcy would last for the length of your payment plan.

Types of Bankruptcy That A Bankruptcy Attorney In Georgia May Advise You On

There are two types of individual bankruptcy that a Bournakis & Mitchell lawyer may advise you on to file to deal with unmanageable debts. They include;

Chapter 7 Bankruptcy

Chapter 7 is also referred to as a liquidation bankruptcy as it allows you to get rid of your debt as soon as possible. For you to qualify for Chapter 7 bankruptcy, you need to pass the means test and have a limited amount of assets. The means test is an income qualification test that compares your gross household income and size against the median income of your state. Chapter 7 allows you to exempt a certain amount of property from the bankruptcy estate so that you can keep it.

Chapter 13 Bankruptcy

Restructuring your debt in a bankruptcy plan can save you money and protect your assets! Most of our clients choose to file for Chapter 13 bankruptcy, because they have obligations and assets that they need to protect and pay off. While similar to Chapter 7, Chapter 13 bankruptcy restructures your debt that you need to keep into a repayment plan and discharges the rest. All plans last between three to five years.

We have helped thousands of clients lower the balances and interests rate on their automobile loans. We can consolidate other obligations like mortgage arrears and tax liabilities. We can protect your home no matter how much equity is in the property.  When you complete your bankruptcy Chapter 13 plan, your car will be paid off, your mortgage will be current, and you will be debt free.

How Does A Georgia Bankruptcy Lawyer Help You Rebuild Credit?

There is always life after bankruptcy, and helping consumers file for bankruptcy is only the beginning of what we aim to accomplish when we practice bankruptcy law. While each case is different, our lawyers use their combined experience to advise their clients on various ways they can rebuild their credit. 

As a designated debt relief agency, we may inform you on using a secure credit card and guide you on how you could work to remove creditor judgments from your reports. This may be done through court hearings.

Whether you are struggling with medical bills, student loans, or creditor actions on your real estate property, we can provide the guidance you need to move forward with clarity and confidence.

What If You Cannot Afford A Local Bankruptcy Attorney?

When you find yourself facing financial problems, whether it’s wage garnishment or pending home foreclosure, you may worry about whether you can afford an attorney to represent you. All of our clients are in the same situation! We will work with you to get your case filed. We can file the case for a minimal filing fee so that you get the protection you need now.

Don’t wait to have your case filed! Depending on your circumstances, we will advise you as to what we think is most affordable for you. We do offer payment plans in both Chapter 7 and Chapter 13 cases.

We take in all of our Chapter 13 matter on contingency, which means we file the case with no upfront attorneys fees! The client is only responsible for court costs and our fees are paid as a part of your repayment plan.

Break Free From Your Financial Worries With the Help of Our Georgia Bankruptcy Lawyers

As top-rated bankruptcy attorneys, we pride ourselves on providing a different type of client experience. 

Since we are a designated debt relief agency, we can help our clients facing overwhelming debt problems file for debt relief under the U.S. Bankruptcy Code.

Even when you feel it is impossible to overcome debt, we help you see the brighter side of your financial situation. We aim at helping our clients achieve financial relief by assisting them to eliminate debt, navigate unsecured debts, avoid creditor harassment, and protect assets.

We offer a free consultation to all prospective clients and take time to listen and answer any questions. With offices in Cartersville, Dalton, and Rome, we are conveniently located to clients in the numerous counties of  Georgia, including Bartow County, Whitfield County, Floyd County, Gordon County, Polk County, Chattooga County, Murray County, and Walker County.

For more information, please get in touch with our office by phone or email or visit our office location closest to you. You can rest assured that we will reach out as soon as possible and offer you a free consultation on whether bankruptcy is right for you.

Contact Us Today For a Free Consultation

At Bournakis & Mitchell, P.C., we actually take the time to listen and answer your questions. Our mission is to help you find a long-term solution that allows you to move forward without the burden of debt.

We offer a 30-minute confidential consultation to discuss your issues and determine options. Get the personal attention you deserve — send us an email or call us directly at (706) 252-9950 to get started.

What Sets Bournakis and Mitchell, P.C. Apart?


We are a small, boutique law firm focused on individual attention


All clients receive direct counsel from our attorneys, not assistants


We encourage open and honest communication with our clients


We never lose our ability to be graceful – even through tough adversities


We offer multilingual service for English, Spanish, and Greek speakers


We proudly offer risk-free, no-obligation bankruptcy consultations


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