Chapter 7 and Chapter 13 Bankruptcy
Cherney Law Firm has handled thousands of bankruptcy cases in the kennesaw, Ga, area. By contacting our office at 770-485-4141, we can explain the bankruptcy process to you and show your how a chapter 7, or a Chapter 13 bankruptcy can help you eliminate your debt and save you from:
- Car repossession
- Wage garnishment
- Bank garnishment
- Credit card debt
- Student loan debt
Make an appointment for a FREE Consultation. This will be a 100% private and confidential. It will cost you no money at all for us to look at your financial situation and tell you how we can change your financial situation forever, and give you a fresh start.
The only regrets that most of our clients have is that they did not contact us sooner.
Finding Debt Relief in Kennesaw, GA
With the economy as it is, more and more people are finding it difficult to remain on top of their loan and credit payments. If you have defaulted on your payments for too long, you may be faced with the possibility of bankruptcy. This can be a terrifying experience and you should not have to face such a serious decision alone. Consult with a knowledgeable Kennesaw bankruptcy lawyer today to learn how bankruptcy could be a helpful process that allows you to refresh your financial situation.
Cherney Law Firm LLC is a seasoned bankruptcy firm in the Kennesaw area with the resources and skill to help you make the right decisions. Attempting to file without legal representation is possible, but very dangerous due to all of the important details that could be overlooked.
There is more than one form of bankruptcy and only one is the right choice for you. Speak with my firm today for a free consultation of your case. In my years of experience I have handled thousands of bankruptcy cases and may be the counselor you need in order to find financial relief.
Bankruptcy Areas of Practice
Before you decide on bankruptcy, it is wise to review all of the alternatives to bankruptcy in case you may be able to relieve your debt another way. A competent lawyer could represent you in debt negotiation or help you work towards a debt settlement. These options allow you to repay less than you owe, discharging the remaining balance so that you can start over.
Two Different Types: Chapter 7 and Chapter 13
If you decide on bankruptcy, make sure that you are fully aware of the differences between Chapter 7 and Chapter 13. To determine your eligibility, you must first take a means test, which reviews your income versus your expenditures to see how capable you are of repaying your debt.
If your income is below the state average, you could file under Chapter 7 and discharge your debt. In the event that you have enough income to make affordable payments, you could file Chapter 13 bankruptcy. This option is often chosen by individuals facing foreclosure because it sets up an affordable payment plan over the course of three to five years. During this time, you can catch up on your defaulted payments and after the period of time is over the remainder of your debts will be discharged.
Understanding the Benefits of Bankruptcy
You might be tempted to think that there are no benefits of bankruptcy and they you will only lose everything you own. In actuality, filing will end creditor harassment and you can rest easy knowing that there is life after bankruptcy due to bankruptcy exemptions. When you file under Chapter 7, you could petition for certain vital possessions to be exempt from sale or repossession, such as your car or your furniture. In some cases, your home may even be exempt. Find out more by allowing a bankruptcy lawyer evaluate your case and inform you of your options.
Providing Proper Legal Assistance
Since 2005, I have provided clients with the personal attention and guidance that they need throughout their bankruptcy case. I have represented over 2,000 cases and have gained invaluable knowledge and experience in the area of bankruptcy law.
Whatever bankruptcy questions you may have, Cherney Law Firm LLC has the answers. To learn how my firm could help you find financial freedom, complete the free online evaluation or call my offices for a consultation. Without paying a dime, you could learn exactly how a passionate and educated Kennesaw bankruptcy attorney could help you get a fresh start.