Northwest Georgia
Bankruptcy Lawyers



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Stop foreclosure, wage garnishment and creditor harassment

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Buried In Debt, But Want To Purchase A Georgia Home? Find Out How Bankruptcy Can Help.


Contrary to popular belief, clients can purchase homes during an active bankruptcy repayment plan and our Northwest Georgia firm has several clients yearly that do just that! Many of our clients’ FICO scores increased so dramatically during the term of their case that they can qualify for a home loan before their case is over. These clients are walking away from bankruptcy with paid off automobile loans, a new home, and no other debts!
Although it is necessary for you to get court permission to sign the mortgage note and close, you are free to seek financing to purchase a home and even enter into a contract for the purchase of a Georgia home. All purchase and sale contracts must include a bankruptcy exhibit specifying that the impending closing is contingent upon court approval. It is important for the client to shop around for the best rates based on their FICO score. Court approval may cause the closing date to be stretched farther out than normal.
Talk to our Northwest Georgia attorneys at Bournakis & Mitchell, PC today, to discuss how we can help steer you and your family toward home ownership and find financial freedom. Find out if a bankruptcy can help you protect your bank account and discharge your debts, so that you can receive the fresh start that you deserve.

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Frequently Asked Questions

To qualify for bankruptcy, you must be able to show that your debt far exceeds your ability to pay.
Your debt and income levels are the main factors in qualifying for either a reorganization or liquidation.

How can bankruptcy eliminate my debt?

Bankruptcy is a unique process designed to help people get a fresh start after financial trouble. After completing your bankruptcy, you will receive what is called a discharge. The discharge is the mechanism that prevents creditors from ever collecting certain debts included in your bankruptcy.

Bankruptcy is a unique process designed to help people get a fresh start after financial trouble. After completing your bankruptcy, you will receive what is called a discharge. The discharge is the mechanism that prevents creditors from ever collecting certain debts included in your bankruptcy.

How does bankruptcy stop creditors from calling all of the time and harassing me? How does it stop a foreclosure or garnishment?

As soon as you file a bankruptcy, the Federal Court issues an order called the Automatic Stay stopping all actions by your creditors. Creditors cannot call you. Creditors cannot call your job. Creditors cannot call your family. Creditors cannot call co-signers. Creditors cannot sue you. Creditors cannot even write you. The Bankruptcy Court can and does punish creditors for violating its orders.

How can bankruptcy help me?

Bankruptcy can help you get out of debt. This debt can be eliminated through two different means. Filing for bankruptcy can eliminate the financial pressure on the debtor and allow them to regain control.


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