Are you facing foreclosure, wage garnishment, or creditor harassment?
Attorney Matthew Cherney will work directly with you and your family!
Read about the benefits of life after bankruptcy.
When repaying your debt seems like an impossible task, bankruptcy could very well be your best option. As a Cobb County Bankruptcy Attorney, I know the level of stress and pressure that insurmountable debt places on a person. Since 2005, I have personally handled thousands of personal bankruptcy cases. These cases resulting in favorable outcomes for people in Marietta, and all surrounding cities in Georgia. Past client testimonials prove my level of dedication and care that I put into each case. Additionally, feel free to browse all of my client testimonials. They are just several examples of clients who were satisfied with the legal assistance they received.
With the economy the way that it is, my compassion and understanding towards your difficult financial situation is completely heartfelt. Above all, my greatest desire is to help you get back on your feet. I make myself available every day of the week. This includes offering weekend appointments for any questions and concerns. You can feel confident that nothing comes before you and your future well-being. Put an end to harassing creditors, nerve-racking financial decisions and overpowering debts by hiring an Atlanta and Marietta bankruptcy attorney who is invested in your best interests.
:Mr. Cherney was there from the beginning till the end. He kept me informed throughout the entire process. Very knowledgeable and always available for any questions/concerns I may have had. Best lawyer experience I have ever had.” ~Castulo
In 2016, Georgia ranked 3rd highest in Chapter 13 bankruptcies (1 out of 135 households). For example, from October 1, 2005 until September 30, 2017, over 12.8 million consumer bankruptcies were reported. 68% of those (8.7 million) were Chapter 7 petitions and 32% (4.1 million) were Chapter 13. (Source: UScourts.gov) Regarding these staggering statistics, it may come as a surprise to you. On the other hand, hopefully it provides you with some level of hope. Realizing that bankruptcy is a viable option is often the first step on the road towards financial recovery.
Sadly, many people believe that bankruptcy is something for which they should be ashamed. They may feel as if they will be judged by others. A majority of individuals file bankruptcy as a result of an unforeseen and/or unavoidable circumstance. It could be a result of medical bills related to an illness, a period of unemployment, current underemployment. The point is that bankruptcy is far more common than you might think. By the same token, there is nothing shameful in taking back control of your financial situation. This could mean a fresh start, or it could mean a reorganization of your debt.
At your free, in-person, consultation, we will discuss options related to bankruptcy or some other debt relief alternative. Once we have worked together to come up with the best solution for you, we will exercise the following timeline in preparation of your case.
We will set a return appointment. Prior to that appointment you will be required to gather more specific documentation related to your financial circumstances. This will generally consist of some combination of the following:
In addition, you will also be required to complete credit counseling. This is required by the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 and must be conducted by a certified credit counselor.
At your return appointment, I will prepare all of the paperwork. This includes your petition, schedules (related to income and expenses) and all related documents. I will also complete your means test. This will determine which chapter of bankruptcy you can file under (Chapter 7 vs. Chapter 13). Above all, remember I do everything I can to make this process as smooth as possible. I will pull your credit report to obtain your creditors. Furthermore, I will be with you every step of the way.
After your bankruptcy case has been filed, you will have a creditor meeting. If you filed a Chapter 7 bankruptcy, the timeline for discharge (the legal court order extinguishing your responsibility on your debt) is approximately 4 months. If you filed a Chapter 13 bankruptcy, the timeline for discharge is 3-5 years. With this in mind, I will recommend either a Chapter 7 or Chapter 13 bankruptcy. This is based largely upon what you qualify for. Also what your ultimate goals are, related to any property that you may intend to keep.
In the event that you fail to complete any part of this process properly, you may face a significant setback. Additionally, this could create significant legal problems. A knowledgeable Marietta debt relief lawyer, who has been through the bankruptcy process in Georgia thousands of times, can help. Speak with me about your case before choosing to do anything on your own.
Furthermore, there are a number of benefits to bankruptcy. This includes completely eliminating your debt, or paying a portion of your debt in a more economically viable way. Creditor harassment will be put to a stop. This alone will reduce your stress levels. I am sure of it. Bankruptcy can also help you to start saving again.
I offer a free, in-person, consultation, Please do not hesitate to contact my office. Let me work with you to put a stop to creditor harassment. Let me help you protect your home, car and other meaningful assets. You can rest assured that I understand what you are going through. I understand that your future is on the line, and I will employ all of my years of experience to obtain a favorable outcome for you and your family. You can Contact my office by any of the following methods:
Take a look at my latest video, which discusses wage garnishment in Marietta, Georgia.