Phone: 770.485.4290 | Office Locations in Cobb, Cherokee and Fulton Counties | FREE Consultations | Payment Plans Accepted
Veterans Discount Available | Weekend and Evening Appointments

Is Bankruptcy Right for You?

Are you facing foreclosure, wage garnishment, or creditor harassment?

Personal Attention to Every Case

Attorney Matthew Cherney will work directly with you and your family!

Enjoy a Debt-Free Future!

Read about the benefits of life after bankruptcy.

Bankruptcy Attorney Providing Debt Relief Solutions for Thousands of Individuals in Georgia

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, 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. 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.

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

With the economy the way that it is, my compassion and understanding towards your difficult financial situation is completely heartfelt. My greatest desire is to help you get back on your feet. By making myself available every day of the week, 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 bankruptcy lawyer who is invested in your best interests.

My compassion and understanding towards your difficult financial situation is completely heartfelt. My largest goal is to help you get back on your feet. I am available Monday through Friday, and I offer weekend appointments. You can feel confident that nothing comes before you and your financial well-being. Put an end to harassing creditors and overwhelming debt, and hire an Atlanta bankruptcy lawyer who is invested in your best interests.

Marietta and Cobb County Location:

1744 Roswell Road, Suite 100
Marietta, GA 30062
(770) 485-4290
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Woodstock and Cherokee County Location:

103 Springfield Drive, Suite 204
Woodstock, GA 30188
(770) 485-4290
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Alpharetta and Fulton County Location:

2650 Holcomb Bridge Road Suite 110
Alpharetta GA 30022
(770) 485-4290
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Is bankruptcy really that common?

In 2016, Georgia ranked 3rd highest in Chapter 13 bankruptcies (1 out of 135 households). 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) These are staggering statistics that may come as a surprise to you, but hopefully also provide 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, and 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.

Uncovering the Bankruptcy Process in Cobb, Cherokee and Fulton Counties

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: paycheck stubs, bank statements and tax returns;
  • 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).  Remember, I do everything I can to make this process as smooth as possible.  I will pull your credit report to obtain your creditors.  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.  I will recommend either a Chapter 7 or Chapter 13 bankruptcy based largely upon what you qualify for, and what your ultimate goals are related to any property that you may intend to keep.

Failure to complete any part of this process properly will result in a significant setback, and 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.

Marietta and Atlanta Bankruptcy Attorney Helping You Move Forward

There are a number of benefits to bankruptcy, including 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:

  • Via telephone at:(770) 485-4290;
  • Via text message to 404-313-6478; or
  • Via email at: mcherney@cherneylawfirm.com

Take a look at my latest video, which discusses wage garnishment in Marietta, Georgia.

Bankruptcy Videos