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Is Bankruptcy the Right Choice for Me?


There is no easy answer to that question and if you are considering bankruptcy then you should speak with a qualified Conyers GA Bankruptcy Attorney. If you are in dire financial straits and you cannot see a way out, a chapter 7 or chapter 13 bankruptcy can help you get a fresh start. In that situation, a bankruptcy filing is the right choice for anyone.

Before sitting down with your Conyers GA Bankruptcy Attorney there are a few general terms that you should be familiar with:

  • Automatic stay - Regardless of which type of bankruptcy you choose an automatic stay will go into effect. In essence, the stay will put a halt to any and all collection activities that a collection agency, governmental agency or creditor may be using to get money from you. It can put a temporary halt to foreclosures, evictions, wage garnishment and utility disconnections so that you can focus on your bankruptcy proceeding.
  • Chapter 7 Bankruptcy - Also known as a liquidation bankruptcy because with a few exceptions, you will be giving up your assets so they can be sold and put toward your debts. In return, most of your debts will be discharged regardless of if they have been paid in full or not. It is the most common type of bankruptcy and usually takes around six months to complete.
  • Chapter 13 Bankruptcy - Chapter 13 is a perfect choice for people that want to repay their creditors but just can't get a handle on the situation. In this case you would propose a payment plan to the court that would be carried out over the next three to five years. During that time you would make scheduled payments but you would normally retain ownership of your property.

The Bankruptcy Law Group can talk to you about your unique situation and help you decide which type of bankruptcy would be right for your needs. Give us a call today 770-389-0002 or contact us online to schedule your free consultation.

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