A lot of people believe that by filing a bankruptcy, they will lose everything they own.   This is not true.  There are 2 types of bankruptcy that most individuals can choose from:  Chapter 7 or Chapter 13. 

          A Chapter 7 bankruptcy lets you get rid of most all of your debt unsecured debt which includes credit cards and medical bills.  You may keep your house and cars so long the creditor agrees which usually means that you are current with your payments.  Under Georgia law you have exemptions that cover most people’s homes, furnishing, cars, etc. and most people do not lose anything in the bankruptcy.


            As soon as you file for Chapter 7 bankruptcy, an "automatic stay" will go into effect that will:

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•Stop creditor harassment

•Stop garnishments

•Stop liens

•Stop levies

•Stop creditor lawsuits 


             For those people who need to keep a car or house, but are behind in their payments a Chapter 13 bankruptcy is available.  A Chapter 13 bankruptcy, also known as reorganization bankruptcy, is a chapter in the Bankruptcy Code that allows people to reorganize their debt into a more manageable repayment plan that typically lasts between three to five years. That means people are given the chance to get current on mortgage payments and car loans and not worry about catching up on bills or being foreclosed upon or have the car repossessed.  As soon as you file for Chapter 13 bankruptcy, an "automatic stay" will go into effect that will:


•Stop creditors from contacting you

•Stop foreclosure

•Stop repossession

•Stop garnishments

•Stop liens

•Stop automatic deductions from bank accounts

•Stop creditor lawsuits

Call for your free consultation

229.924.9253 fax

This page last updated on: Thursday, May 25, 2017

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