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Understanding Bankruptcy

Understanding Bankruptcy in Marietta

Understanding Bankruptcy: Retain an Affordable Bankruptcy Attorney

It is not recommended that you attempt to file for bankruptcy without first consulting with a qualified bankruptcy lawyer in Marietta. Since 2006, I have represented thousands of clients in understanding bankruptcy cases of all types and helped them to find the relief that they need. I also seek to remain affordable and may be able to provide payment options depending on your circumstances. Call Cherney Law Firm LLC today for a free case evaluation to determine what legal steps you should take to find debt relief today!

Overwhelmed by debt?

As an educated attorney with years of experience, I can help with understanding bankruptcy by providing the qualified advice, caring guidance and aggressive representation that you need when pursuing bankruptcy. Such a decision is not easy to make and requires the guidance of a qualified lawyer. If you are considering filing for bankruptcy, make sure you are fully informed.

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Bankruptcy topics explained

Alternatives to Bankruptcy

Bankruptcy is not for everyone. You might instead benefit from debt negotiation, debt settlement, or by discharging your debt. Always talk to an attorney first so that you make the right decision for your financial situation.

Automatic Stay

One of the most powerful aspects of the U.S. Bankruptcy Code is the fact that as soon as you file your petition with the court, you will be protected by an automatic stay against further creditor action. It can put an end to wage garnishment, repossessions, evictions and even foreclosure.

Benefits of Bankruptcy

Contrary to popular belief, bankruptcy has many benefits. It could allow you to eliminate your debts and financial stress while also providing relief from creditor harassment. It can provide you with a certain peace of mind, while helping to solve your debt issues.

Bankruptcy Exemptions

Many individuals are allowed to petition certain property exemptions when filing for bankruptcy, allowing them to keep things such as their household items, clothes, heirlooms, jewelry, car and house in order to continue rebuilding their life after filing.

Common Questions

Determining whether or not bankruptcy is a good choice for your financial situation can bring up a lot of questions. As an experienced Marietta bankruptcy lawyer, I know you want to feel comfortable before deciding to file. Thus I have provided a list of common questions and relevant answers.

Creditor Harassment

One of the most stressful aspects of serious debt is the harassing calls made by your creditors. According to Federal law, these calls must stop once you hire a bankruptcy lawyer. If you have been threatened or coerced into paying your debts, get in touch with my office immediately.

 

Ch. 7 vs Ch. 13 Differences

It is important to understand the differences between Chapter 7 and Chapter 13 so you can pursue the option most beneficial to you. Consult with a bankruptcy attorney to learn more about the pros and cons when filing either type.

Discharging Your Debt

If you are financially incapable of repaying part or all of your debt, you may be able to have it discharged. This means that you are released from your debts and no longer have to worry about repayment.

Do I qualify for Bankruptcy?

As more consumers turned to bankruptcy as a way to find much needed debt relief, legislation was enacted to tighten the eligibility requirements. My firm can help you determine if you qualify for bankruptcy.

Foreclosures

Scared of losing your home? A bankruptcy attorney could defend you from foreclosure and help you save your home. Filing for bankruptcy could halt a foreclosure, so consult with my firm today to learn more.

Life After Bankruptcy

Filing for bankruptcy is often one of the best decisions a person can make. Such an action could end harassing calls from creditors, eliminate financial stress, and allow debtors to get a fresh start on life.

Means Test

In order to determine your eligibility for Chapter 7 or Chapter 13 bankruptcy, you must take the means test. This test calculates your financial state and ability to repay any or all of your debt by comparing your income with your expenditures.

Repossession

Many people worry that filing for bankruptcy may cause them to lose their home, car and valuable possessions. In fact, it may put a stop to having certain items repossessed due to lack of payments. When you file a bankruptcy petition, it puts an automatic stay in place, protecting your goods until the bankruptcy process is over. For further information, do not hesitate to contact my firm.

Wage Garnishment

When consumers are unable to remain current on their debts, creditors can have their wages garnished so that they receive payment. As wage garnishment can severely compromise your well-being, my firm offers assistance in protecting you against debt collection and in helping you attain financial stability.