Northwest Georgia
Bankruptcy Lawyers



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(706) 307-8002

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Stop foreclosure, wage garnishment and creditor harassment

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

Myth: I Can Keep My Credit Card Account That Is Paid And Current.


Unfortunately, the bankruptcy code requires you to disclose and include all your debts and obligations, and accordingly, all credit accounts will be listed on your schedules and give notice of your bankruptcy case filing. As a result, all open credit accounts will be closed at the time of filing.
The bankruptcy code was drafted with the intent to prohibit or dissuade clients from paying one debt over another preferentially. To many of our Northwest Georgia clients’ surprise, this rule extends beyond just credit or signature accounts to include loans from family members. Accordingly, if you owe money to family members, you should disclose them on your schedules like any other creditor and discharge them as a part of your case. You are prohibited from paying back family members outside of the bankruptcy, no matter what the circumstances are.
The good news is that you can keep your bank account and your debit card. You are also permitted to open a new or additional bank account if you prefer. Bankruptcy protection keeps your bank account safe from creditors taking any direct payments or monies from your account while you are under bankruptcy protection.
Many of our clients in Rome, Dalton, and Cartersville are account executives or salespeople whose jobs required them to have a credit card to cover travel or job related expenses. If your job requires it, we can petition the court for permission to use a business credit card with you as the authorized user.
Talk to an attorney at Bournakis & Mitchell, PC today, to discuss how these rules affect your case. 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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