Cumming Bankruptcy Lawyers

There is bankruptcy legislation in place to help individuals who are deeply in debt and have financial difficulties. While the thought of filing bankruptcy may be overwhelming, you will receive some relief almost immediately. When you get behind with creditors, you may feel many emotions, including shame and fear. The good news is, you have options.

A seasoned bankruptcy lawyer in Cumming can assist you with the filing process and help you get your finances in order. Contact our Cumming bankruptcy lawyers to schedule a meeting if you are behind with your bills and in debt.

Bankruptcy Areas of Law in Cumming:

Expert Legal Counsel in Cumming:

Cumming Bankruptcy Law Q&A

Q: Is chapter 13 or chapter 7 bankruptcy the right choice for me?

The type of bankruptcy you file will depend on many factors, including your desired outcome and whether you qualify for a chapter 7. Chapter 13 is for the reorganization of your debt, while chapter 7 allows  for total liquidation if you need it. To qualify for a chapter 7, you must be below a predetermined income threshold income and must stay below the equity exemptions allowed for any real property you own.   In a Chapter 7, debtors typically will not be required to repay their outstanding unsecured debts upon discharge. For chapter 13, you will be required to make monthly payments to pay off the amount of debt required according to your plan and you will have the ability to cure arrearage of secured debt on assets you can afford to keep. 

Q: What are the total costs of filing bankruptcy?

Filing fees for filing bankruptcy in this state are $338 for chapter 7 and $313 for chapter 13.  In addition to the filing fee, you will also need to pay for your credit report and your Consumer Credit Counseling Course as required by the court.  Attorney fees for Chapter 13 cases are included in your monthly payment plan and Chapter 7 attorney fees are set up on a monthly payment program.   A qualified bankruptcy attorney will review your total costs to file during your free consultation.

Q: Do I need a lawyer to claim bankruptcy?

Everyone can file their bankruptcy case pro se or without the help of an attorney. However, the filing process is complex, and there are long-term legal and financial consequences. It is always a good idea to file with the help of a knowledgeable bankruptcy attorney in Cumming. A skilled legal professional can ensure the legal work is correct and you file within the strict bankruptcy laws and regulations.

Contact Our Burrow’s Cumming Bankruptcy Lawyers Today

Getting behind with your bills is highly stressful. The stress can feel overpowering when bill collectors are calling you every day and night. Filing bankruptcy will alleviate some of that stress almost immediately. After we file your case and alert debt collectors, they will stop calling or sending any mailings while you complete the process.

A Cumming bankruptcy attorney will help you go through your finances and formulate the best plan of action in your situation. If you are behind with bills and considering filing for relief, contact our experienced Cumming bankruptcy lawyers to schedule a free consultation.

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