Are you facing foreclosure?
Filing bankruptcy prevents your mortgage lender from foreclosing on your home. Under Chapter 13, you can reorganize your debt into a manageable repayment plan, including low monthly payments that allow you to keep your home.
Are you facing reposession?
A bankruptcy plan stops car or truck repossession. If you act quickly, it can even get your repossessed vehicle back -- and even get your car payment lowered. Our Atlanta-based attorneys can help you keep your possessions and take back your financial life.
Do you have credit card debt?
As your debt-to-income ratio grows, your credit score declines. Your lenders respond by tightening your credit and raising your interest rates. Filing for bankruptcy can actually reverse this trend, as you begin to take the necessary steps to repair your credit.
Are you being harassed by creditors?
As soon as you file for Chapter 7 or Chapter 13, the bankruptcy court grants you automatic stay protection. This orders your creditors to back off. They can't contact you directly and can only attempt to collect on your debts through the bankruptcy court. The automatic stay effectively eliminates harassing phone calls and other collection tactics. In fact, when creditors ignore this court order, you may be able to sue them for damages!
Can I keep my possessions if I file for bankruptcy?
You may think that filing for bankruptcy will force you to sell everything you own. Nothing could be further from the truth. In reality, bankruptcy helps you hold onto important items like your home, your car, your retirement plan -- even your cash.