Are you dealing with a foreclosure, medical bills, credit card debt, or other financial obligations that you can’t meet? Or has someone threatened to repossess your assets? If so, we may be able to help. We are experienced in dealing with creditors and can help you get the relief you need. Call us today to learn more at 912-764-9616.
- Do you have a lien or judgment filed against you?
- Are you worried about a garnishment of your wages?
- Are you facing foreclosure?
- Have you been threatened with repossession of your assets?
- Do you have credit card bills, medical bills, and/or loans that you can’t pay?
How We Can Help
Remember, you’re not alone. We’re here to help you when you need it most. We can assist you through the filing process and provide federal debt restructuring support. In most cases, we can also stop garnishments, foreclosures, repossessions, harassing phone calls, and lawsuits through bankruptcy process. Call us today to learn more at 912-764-9616.
Chapter 13 - Individuals with Steady Income
- Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over a period of time.
- You are only eligible for Chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy Code.
- Under Chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using your future earnings.
- The period allowed by the court to repay your debs may be three years or five years, depending upon your income and other factors.
- The court must approve your plan before it can take effect.
Chapter 7- Liquidation
- Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts.
- Debtors whose debts are primarily consumer debts are subject to a “means test” designed to determine whether the case should be permitted to proceed under Chapter 7.
- If your income is greater than the median income for your state of residence and family size, in some cases, the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the code. It is up to the court to decide whether the case should be dismissed.
Chapter 11- businesses and individuals with many assets
- Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors.
- Its provisions are quite complicated, and any decision by an individual to file a Chapter 11 petition should be reviewed with an attorney.
Chapter 12 - Farmers
- Chapter 12 is designed to permit family farmers to repay their debts over a period of time from future earnings and is similar to Chapter 13.
- The eligibility requirements are restrictive, limiting its use to those whose income arises primarily for a family-owned farm operations.
Please don’t hesitate to call us if you’re interested in learning more about our legal services and attorneys. We’ll briefly review your case to see if we can help. If we are able to take on your case, we’ll start deliberating a course of action. Call our office today for a free consultation at 912-764-9616!