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It is important to understand the requirements necessary for a bankruptcy filing. Many individuals are concerned about their credit after bankruptcy. The truth is that if you are considering a filing, your credit score is probably already in serious trouble, and when a bankruptcy filing has been successful, you will show that you are no longer in debt. It is usually not many months after the filing is complete that you are given more offers for credit. It is no longer the stigma that it once was to have filed bankruptcy. It is quite likely that many of your neighbors have already done so, and are happily going on with their lives.
Chapter 7 bankruptcy is for individuals who have a certain level of income. It is required that you take a "means test" which determines whether you are eligible for Chapter 7. It is strongly urged that you contact an attorney from the firm to assist you in filling out the means test. If you fail to fill it out correctly, you will be denied the opportunity to file Chapter 7, which is the form of bankruptcy in which debts are "discharged." There are certain types of debt that cannot be discharged, such as recent taxes or child support. However, most types of debt can be discharged in a Chapter 7 filing, which means you will no longer owe anything. How this works for you is determined on an individual basis, and a bankruptcy lawyer from their office is prepared to review your situation and advise you of your options.
Many people mistakenly believe that they will be forced to give up their home if they file for Chapter 7 bankruptcy, perhaps because the process is often known as a liquidation bankruptcy. This is usually not the case, and as long as you don't have a large amount of equity, most residents off Georgia filing for bankruptcy will be allowed to keep their home and their vehicle. This can be complicated and confusing, and one of the areas in which we can help you to determine if a Chapter 7 bankruptcy is for you is by helping you to list your assets and determine how much your home is currently worth.
When not eligible for Chapter 7 bankruptcy, or choosing to file Chapter 13, this may be a good option for those who have a steady income, whether through employment or as a self-employed business owner. This form of bankruptcy allows the individual to restructure their back debt and pay it off over a period of years, usually between 3 and 5 years. This is a great opportunity to handle the financial stress in a reasonable fashion. It also will result in a freedom from any creditor calls, and threatening letters. Many debts are reduced in this form of bankruptcy filing, and it can be a great solution for those who are facing a home foreclosure and have a co-signer on the home, as it provides better legal protection for the individual who assisting you to buy your home. Contact a Marietta bankruptcy attorney from our team to learn more!
Your local bankruptcy attorney in Marietta, GA can point out the advantages of filing for Chapter 7 bankruptcy, and explain why this is the most popular method for most people. You can start the process for as little as $75 with up to three months to pay the balance, and our flexible payment plans mean that bankruptcy is within the budget of anyone who needs this solution. Your down payment means that we can work on a payment plan and begin to prepare the petition, although before the petition can actually be filed, all the fees must have been paid, per the bankruptcy laws.
The legally required means test is your first step if you are thinking of filing for Chapter 7 bankruptcy, and your attorney can explain what the sometimes complicated test is all about and of course, can help you to take it. The test basically determines your eligibility to file bankruptcy by gathering information on several aspects of your financial life, including your income, debts, expenses and any assets.
You may be filing Chapter 7 bankruptcy as a Marietta, GA resident because you are fed up of all those collection letters and calls, and one of the advantages of filing is that they will stop immediately once your case has been filed. This is known as an automatic stay and it means that any lawsuit and foreclosure process will also stop, as well as the annoying collection calls and letters. Our goal is to make the process of filing bankruptcy as stress free as possible, and if you receive any calls or letters from your creditors once you have filed, we will handle the matter for you.
The meeting of your creditors is often known as the 341 meeting, and it is usually the only meeting you will have to attend during the bankruptcy process. The meeting lasts just a few minutes and does not take place in a courtroom overseen by a judge; rather, it is more informal and is overseen by a trustee and takes place in a conference room. An experienced Marietta bankruptcy attorney will help you prepare for the short meeting, which will address the basics of your petition to file Chapter 7 bankruptcy.
Unsecured debts include such debts as credit card bills and medical bills, as well as back payments owed for repossession are included in Chapter 7, and if you have these debts, Chapter 7 bankruptcy is probably the best option for you. You will still have to make payments on so-called secured debts, such as your mortgage and your car loan, otherwise you could lose your home or car. Everybody's financial situation is different and an experienced attorney specializing in bankruptcy law can advise you whether Chapter 7 bankruptcy is your best option or whether there may be another solution.
The law offices of Blevins and Hong , P.C. have helped hundreds of people is situations similar to you, and we would like to put our years of experience and knowledge to work for you. Our experienced attorneys can answer any question you have and help you through every step of the process.
To learn about your bankruptcy options, email or call us at (678) 354-2290.