Bankruptcy Attorneys in Hiram, GA
How will filing bankruptcy affect my credit?
Declaring bankruptcy doesn’t necessarily mean that the door to future credit will be forever closed to you. Although the history of a bankruptcy stays on your credit report for ten years, it is possible for you to rebuild your credit in just a few years. If you take the proper steps after declaring bankruptcy and also manage your credit responsibly, you can rebuild an improved credit reputation in a few years.
When will I get relief from creditor harassment?
The Automatic Stay provides immediate relief. Just give your bankruptcy case number to any pesky creditors and they will no longer be able to contact you.
Can I keep my home and car if I file bankruptcy?
Everyone’s ability to keep their home and car varies according to their particular financial circumstances. If you file a Chapter 13 bankruptcy and are not behind on your payments then you can usually arrange to make payments through the Chapter 13 reorganization plan and keep your property. If you file a Chapter 7, the equity in your property will determine whether or not you can keep your property. Every state has exemptions which allow a debtor to retain some assets after the bankruptcy is finalized.
What is a discharge in bankruptcy?
A discharge in bankruptcy is when the debt is wiped clean and you no longer are legally obligated to repay the debt.
What are the fees?
Filing fees are $306 for a Chapter 7 and $281 for a Chapter 13, however, there are trustee fees that are included in the reorganization plans.
Experienced and Trusted Hiram Bankruptcy Lawyers
How do I get started?
1. Call our office to speak with a Hiram bankruptcy lawyer and schedule your free consultation.
2. Complete the bankruptcy package available in pdf and word format for your convenience.
3. Bring the package, 6 months worth of pay stubs and the last 3 years tax returns to our office.