Northwest Georgia
Bankruptcy Lawyers



$0 Down Bankruptcy

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Call (706) 291-1300
or
(706) 307-8002

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True $0.00 Down to File

Court Filing Fees Included

No Payments for 30 days After Filing

Stop foreclosure, wage garnishment and creditor harassment

Low Weekly or Monthly Payments AFTER Your Case is Filed

Multilingual staff: We Offer Services in English, Spanish, and Greek

“I Will Lose My Car If I File For Bankruptcy.”


“I will lose my car if I file for bankruptcy.” Exactly the opposite is true! Bankruptcy provides for automatic stay or protection that prevents a creditor from repossessing your automobile after filing of a bankruptcy petition. In fact, some of our clients file for bankruptcy for the purpose of getting their automobile back. Even if your automobile has been repossessed, once the case has been filed, the creditor is required to return the automobile immediately to the client.
What happens when you file for bankruptcy in Georgia?
After filing for bankruptcy, our Georgia clients get to start answering their phones again! Although you will start receiving mail related to your bankruptcy proceeding, collection letters and phone calls will stop. Most of our clients are distressed and disorganized, and are relieved when we inform them that it isn’t necessary to gather up all their statements and bills. In order to draft your paperwork as painlessly as possible, we pull a consolidated credit report that includes all your debts along with addresses where your creditors prefer to be notified. Our Georgia clients are given a copy of the report and they are only responsible for telling us who is missing; oftentimes, we can simply search the web or the secretary of state’s database for an address. All bankruptcy petitions are filed electronically and the clerk’s office is responsible for making sure all parties are given notice of the case at the address provided.

File Chapter 7 with Full Attorney Representation




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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