Claeys, McElroy-Magruder & Kitchens Chapter 7 Bankruptcy Attorneys Statesboro, GA.
Experienced Chapter 7 Bankruptcy Attorneys
There’s nothing worse than the annoying calls and pressure you feel from financial obligations. Whether you have foreclosures, medical bills, or credit card debts doesn’t matter, the strain from drowning in debt can be too much to bear. If you’re facing repossession or a foreclosure, then you need help from bankruptcy attorneys in Statesboro GA.
Claeys McElroy-Magruder & Kitchens bankruptcy attorneys have helped many people in situations like yours. We know how important it is for you to free yourself from these financial burdens. We want to help you get rid of the endless harassment from creditors so that you can enjoy life.
One call can start you on the path of freedom from your debts. Chapter 7 bankruptcy has helped many people like you in the Statesboro, Augusta, Sylvania, and Savannah areas. How do you know if this bold move is right for you? Ask yourself the following questions:
- Are you facing a lien against your property?
- Has your bank account been levied?
- Are your wages being threatened under garnishment?
- Is your home in foreclosure?
- Have any of your assets been repossessed?
- Do you have unsecured bills, like credit cards, that you don’t have the money to pay?
Chapter 7 Bankruptcy Attorneys Near Me
Do you feel anxious every time the phone rings? Creditors will call you at home, work, or even a relative’s house. You may feel scared and alone as your interest and penalties keep mounting on your debts. Whether you live in Savannah, Statesboro, Augusta, or the surrounding areas, we want to help you.
You need to file a Chapter 7 bankruptcy in Statesboro, GA. The filing process for bankruptcy is complicated. When it comes to repossessions, foreclosures, and wage garnishments, you need a legal team working hard to protect your interests.
Don’t be fooled by the method of saving money by representing yourself before the court. If you miss just one critical document, the court can throw your case out, and you will need to start all over again. It may seem like the easy way out, but you need a Chapter 7 advocate that knows the ins and outs of this division of the law.
Understanding the Types of Bankruptcy
There are four types of bankruptcy that you can file in the state of Georgia. They are:
- Chapter 7 – Complete Liquidation
- Chapter 11 – Business Filing with Assets
- Chapter 12 – Bankruptcy for Farmers
- Chapter 13 – Debt Reorganization
Chapter 13 is designed for those who have a steady income but need help paying their bills. An agreement is made with the court to repay the debts over a three to five-year span. Some people will only pay pennies on the dollars of their debts, but they are bound to this plan as it’s taken out of their paychecks. You won’t receive a discharge until the debts are resolved.
A Chapter 7 bankruptcy in Statesboro GA, is the ideal situation. This is for filers who have unsecured debt and no means to pay it back. This is known as a complete liquidation. You will be required to take the Means Test to ensure that you have no disposable income. Once you can prove that you cannot repay your financial obligations, then we can file your petition for relief.
Filing for Bankruptcy
Once it has been decided that Chapter 7 bankruptcy in Statesboro GA is right for you, the real work begins. You must gather all your financial documents so that we can fill out your schedules. Ten schedules need to be completed, and the information must be accurate. Anything that is left off these documents won’t be included in your discharge, and you will be responsible for paying these financial obligations.
- The Assigning of a Trustee
A trustee will be assigned to your case to ensure that the creditors get anything that’s coming to them. The trustee is a neutral party that serves as an agent of the court, and they review all documents. They will quickly identify if someone is trying to hide debts or is being dishonest.
- The 341 Meeting of Creditors
The next part of the process is attending the 341 Meeting of Creditors. Claeys McElroy-Magruder & Kitchens bankruptcy attorneys will be by your side. It’s a simple meeting where the trustee will ask you various questions, and the creditors can appear against you. It’s not common for the creditor to show up to this meeting unless the debt is secured or doesn’t meet the criteria for discharge.
- Being Discharged of Your Debts
If there are no issues with the petition, you can expect a discharge of your debts in around 60 days after the 341 Meeting of Creditors. The extra time allows any creditors who want to file an objection to the discharge of your debt to do so. Commonly, there are no issues, and things are discharged within the allotted time frame.
Get a Free Consultation with Our Bankruptcy Lawyers
Don’t let the unbearable pain of suffering from a mound of debt keep you down. Our bankruptcy attorneys in Statesboro GA, want to help you get the fresh start you deserve. Whether you’ve suffered a job loss, have a medical issue that’s prevented you from working, or just got behind, there is help available.
Taking the first step is often the most difficult because you don’t know what to expect. Thankfully, we can help you with the entire process from start to finish. There’s no reason to walk this journey alone when you have Claeys McElroy-Magruder & Kitchens bankruptcy attorneys ready to help. Call us today for a debt analysis and to see if a Chapter 7 bankruptcy is right for you.
CALL OUR DUBLIN GEORGIA OFFICE
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.