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.
Deal With Your Debts With the Help of Our Experienced Bankruptcy Lawyers In Cartersville GA
– Brandon Freeland
No Interest
True $0.00 Down to File
Court Filing Fees Included
How Our Bankruptcy Lawyers In Cartersville, GA Can Help You
Filing for bankruptcy is not the end of the world. For many individuals who are struggling to make ends meet, filing for bankruptcy can provide financial relief and a reasonable way to deal with overwhelming debt.
It is a legal way to regain control, manage your debt, and get rid of it within a reasonable timeframe. You can use bankruptcy to end repossessions, stop foreclosures, halt credit collection activities, as well as eliminate the majority of unsecured debt.
In addition, as soon as you file for bankruptcy, the Federal Court issues the Automatic Stay order. That means all actions by your creditors have to be stopped. Creditors cannot call you, your family, or your job, and they can’t sue you. If creditors violate the order, the Bankruptcy Court can punish them.
At Bournakis and Mitchell, P.C., we offer a different type of attorney-client relationship. We love what we do and can use our natural skills and talents to help you get back on the right track as trusted Cartersville bankruptcy lawyers. Once we’ve helped you overcome your bankruptcy case and financial difficulties, we know that we have done our job well.
Book a free consultation with the best bankruptcy lawyer in Cartersville, GA, and understand your case to predict the circumstances. We will review your case facts, provide you with free advice, and help you from filing fees to the end of the court process.
Do You Need a Bankruptcy Attorney In Cartersville, GA?
It is not necessary to file for bankruptcy with the help of a qualified lawyer. However, it is strongly recommended to at least seek legal advice from a bankruptcy lawyer since bankruptcy has long-term legal and financial consequences. Also, bear in mind that judges or court employees are forbidden by the law to help or offer advice to debtors.
Whether you file under Chapter 7 bankruptcy or Chapter 13 bankruptcy, the whole process requires a thorough understanding of the United States Bankruptcy Code (title 11, United States Code) and the Federal Rules of Bankruptcy Procedure. In addition, each bankruptcy court has its local rules and law procedures. Making mistakes because you don’t understand the law or the appropriate procedures can affect your rights.
Before filing bankruptcy, you will have to gather your financial documents to get the current state of your finances. Some of these documents include a credit report, income tax return, bank account statements, retirement accounts, appraisals of any owned real estate, bills, and any other documents that will show your assets, income, or debt.
Our team at Bournakis and Mitchell, P.C., is devoted to helping you reach a positive outcome that puts you in the best possible position for long-term financial freedom. We proudly handle bankruptcy and other related cases throughout Northwest Georgia.
Our clients are often relieved when we tell them that they shouldn’t gather all financial documents, statements, and bills. Our Cartersville bankruptcy attorney will do that for you. We will pull a consolidated credit report that includes all your debts as well as creditors’ addresses where they prefer to be notified.
Get Legal Advice From Our Cartersville Bankruptcy Attorneys
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is the fastest way to discharge almost all debts and stop collection activity such as garnishments. This type of bankruptcy forgives certain debt in exchange for property, eliminating the issue faster.
The Chapter 7 bankruptcy applies to all debts, except to child support, most tax debts, and student loans. It also doesn’t apply to a debt that the court declared non-dischargeable because a debtor conducted a malicious action or a fraud or due to a creditor’s objection.
The Cartersville GA bankruptcy trustee has to gather and sell all the debtor’s non-exempt assets to be able to pay creditors. Bankruptcy Code allows the debtor to keep some exempt assets, and some assets may be subject to liens and mortgages.
However, in order to file for Chapter 7 bankruptcy, an individual has to pass a means test that will determine their inability to pay debts. The means test will assess total debt, income, and expenses.
Keep in mind that Chapter 7 bankruptcy could result in losing certain property without the help of an experienced Cartersville bankruptcy attorney.
At Bournakis and Mitchell’s Cartersville law office, we can determine your eligibility for filing a Chapter 7 bankruptcy, and you can discuss your options with our experienced Northwest Georgia bankruptcy attorney.
Our Cartersville GA Bankruptcy Law Firm Can Help With Debt Relief
Chapter 13 Bankruptcy
Those who are not eligible to file bankruptcy under Chapter 7 of the Bankruptcy Code may want to file Chapter 13 bankruptcy instead.
With this type of bankruptcy, debt can be restructured by creating a feasible payment plan. In addition, the debtor will not use any property in this bankruptcy process. But, before filing, you have to complete a credit counseling course with an agency that is approved by the U.S. Trustee’s office. After you have completed a credit counseling course, your Cartersville bankruptcy attorney can file bankruptcy and pay a filing fee.
With Chapter 13 Bankruptcy, the debtor has to think of a repayment plan and pay installments to creditors over 3 or 5 years. The whole process consists of the debtor making these payments to a trustee, who distributes the money to creditors.
When you file under Chapter 13 Bankruptcy, the whole debt is divided into priority, secured, and unsecured debt. While unsecured debts will be discharged after completing the repayment plan, priority debts, which include unpaid tax bills, bankruptcy costs, and child and spousal support, have to be paid in full.
A secured debt, on the other hand, can include a mortgage, a tax lien, or a car loan. If the individual qualifies for a repayment plan and catches up on their loan, he or she may be able to keep the car.
There are several advantages of Chapter 13 over Chapter 7 bankruptcy. For example, under Chapter 13, you can save your home from foreclosure if you pay the mortgage on time. Also, the debtor may reschedule secured debts and extend them with lower payments.
Our Cartersville bankruptcy attorneys at the law office of Bournakis and Mitchell can handle different issues that may arise during your Chapter 13 bankruptcy process and make sure you file all the necessary paperwork.
Retain the Services of the Best Bankruptcy Attorney In Cartersville, GA
If you file bankruptcy, it will not disrupt your life, just the opposite — it is a way to rebuild your credit, stay on top of your debt, end creditor harassment, and get a fresh start. Whether you have medical debt and unexpected health care costs or mounting credit card debt, an experienced Cartersville bankruptcy attorney can help you find the best possible solution.
With both forms of bankruptcy, the majority of unsecured debts can be discharged, including credit card debt. Other debts that are considered dischargeable include utility bills, medical debt, and specific tax debts. However, in most cases, student loans, mortgages, child support, alimony, and other court-ordered payments are not dischargeable.
Chapter 7 bankruptcy and Chapter 13 bankruptcy are the only forms of debt relief in Cartersville, GA, for individuals. Debtors who have their own business or who are engaged in partnership can consider filing under Chapter 11 of Bankruptcy Law. That way, they can avoid liquidation and remain in business.
After you file for bankruptcy, you also have to complete another mandatory bankruptcy course called the Debtor Education Course. This course is designed to educate you so you can make smarter financial choices and won’t have to seek debt relief in the future.
It’s good to know you can protect some assets from the whole process. Property that appears on Georgia’s exemption list and the federal nonbankruptcy exemption list can be protected from repossession.
In addition to the Cartersville office, we have a law office in Rome and Dalton in Northwest Georgia as well. Furthermore, we are well-versed in criminal defense, personal injury, estate planning, and cases involving civil rights issues in the Bartow County, GA area.
When you contact our law firm, whether via phone, text, or e-mail, you will always speak with an attorney. That sets us apart from our competitors, who do not have the luxury of being available to their clients like we do.
We offer a 30-minute confidential consultation with our Cartersville, Georgia bankruptcy lawyer to discuss bankruptcy issues, provide legal advice, determine available options, and help people obtain relief. Call us at 706.291.1300 to get started.
Take the First Step to Living Debt-Free
“The attorneys and team at this office are incredible! They are honest, knowledgeable considerate, and very pro-active. Although, my issues were small matters, I always felt important. I appreciate all the support they have given me and would recommend them to anyone looking for legal help.”
– Leslie Johnson
“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
“I don’t write many reviews, but this team deserves 5 stars!! After many phone consultations, and even some other firms frankly blowing us off,I called Randall. We were in his office the NEXT day getting paperwork in order and filing our claim. Filing bankruptcy can be very nerve racking! Randall and his team made it feel effortless!!”
– Scott Misico
Reach Out to Our Cartersville Bankruptcy Attorneys for Legal Advice
Chapter 7 bankruptcy is the fastest way to discharge almost all debts and stop collection activity such as garnishments. This type of bankruptcy forgives certain debt in exchange for property, eliminating the issue faster.
The Chapter 7 bankruptcy applies to all debts, except to child support, most tax debts, and student loans. It also doesn’t apply to a debt that the court declared non-dischargeable because a debtor conducted a malicious action or a fraud, or due to a creditor’s objection.
The Cartersville GA bankruptcy trustee has to gather and sell all the debtor’s non-exempt assets to be able to pay creditors. Bankruptcy Code allows the debtor to keep some exempt assets, and some assets may be subject to liens and mortgages.
However, in order to file for Chapter 7 bankruptcy, an individual has to pass a means test that will determine their inability to pay debts. The means test will assess total debt, income, and expenses.
Have in mind that Chapter 7 bankruptcy could result in losing certain property without the help of an experienced Cartersville bankruptcy attorney.
At Bournakis and Mitchell’s Cartersville law office, we can determine your eligibility for filing a Chapter 7 bankruptcy and you can discuss your options with our experienced Northwest Georgia bankruptcy attorney.
Our Cartersville GA Bankruptcy Law Firm Can Help With Debt Relief
Those who are not eligible to file bankruptcy under Chapter 7 of the Bankruptcy Code may want to file Chapter 13 bankruptcy instead.
With this type of bankruptcy, debt can be restructured by creating a feasible payment plan. In addition, the debtor will not use any property in this bankruptcy process. But, before filing you have to complete a credit counseling course with an agency that is approved by the U.S. Trustee’s office. After you have completed a credit counseling course, your Cartersville bankruptcy attorney can file bankruptcy and pay a filing fee.
With Chapter 13 Bankruptcy, the debtor has to think of a repayment plan and pay installments to creditors over 3 or 5 years. The whole process consists of the debtor making these payments to a trustee, who distributes the money to creditors.
When you file under Chapter 13 Bankruptcy, the whole debt is divided into priority, secured, and unsecured debt. While unsecured debts will be discharged after completing the repayment plan, priority debts, which include unpaid tax bills, bankruptcy costs, and child and spousal support, have to be paid in full.
A secured debt, on the other hand, can include a mortgage, a tax lien, or a car loan. If the individual qualifies for a repayment plan and catches up on their loan, he or she may be able to keep the car.
There are several advantages of Chapter 13 over Chapter 7 bankruptcy. For example, under Chapter 13 you can save your home from foreclosure if you pay the mortgage on time. Also, the debtor may reschedule secured debts and extend them with lower payments.
Our Cartersville bankruptcy attorneys at the law office of Bournakis and Mitchell can handle different issues that may arise during your Chapter 13 bankruptcy process and make sure you file all the necessary paperwork.
Retain the Services of the Best Bankruptcy Attorney In Cartersville GA
If you file bankruptcy, it will not disrupt your life, just the opposite — it is a way to rebuild your credit, stay on top of your debt, end creditor harassment, and get a fresh start. Whether you have medical debt and unexpected health care costs or mounting credit card debt, an experienced Cartersville bankruptcy attorney can help you find the best possible solution.
With both forms of bankruptcy, the majority of unsecured debts can be discharged, including credit card debt. Other debts that are considered dischargeable include utility bills, medical debt, and specific tax debts. However, in most cases, student loans, mortgages, child support, alimony, and other court-ordered payments are not dischargeable.
Chapter 7 bankruptcy and Chapter 13 bankruptcy are the only forms of debt relief in Cartersville, GA for individuals. Debtors who have their own business or who are engaged in partnership can consider filing under Chapter 11 of Bankruptcy Law. That way they can avoid liquidation and remain in business.
After you file for bankruptcy, you also have to complete another mandatory bankruptcy course called the Debtor Education Course. This course is designed to educate you so you can make smarter financial choices and won’t have to seek debt relief in the future.
It’s good to know you can protect some assets from the whole process. Property that appears on Georgia’s exemption list and the federal nonbankruptcy exemption list can be protected from repossession.
In addition to the Cartersville office, we have a law office in Rome and Dalton in Northwest Georgia as well. When you contact our law firm, whether via phone, text, or e-mail, you will always speak with an attorney. That sets us apart from our competitors who do not have the luxury of being available to their clients like we do.
We offer a 30-minute confidential consultation with our Cartersville Georgia bankruptcy lawyer to discuss bankruptcy issues, provide legal advice, determine available options, and help people obtain relief. Call us at 706.291.1300 to get started.
Northwest Georgia Bankruptcy Lawyers
FREE Consultation
Bankruptcy And Debt Consolidation