Bankruptcy Attorney Serving Roswell, Georgia
Roswell, GA. Bankruptcy Attorney Matthew J. Cherney of Cherney Law firm is proud to be helping the citizens of Roswell, Geaorgia by representing them in bankruptcy. If you are struggling with debt, wage garnishment, foreclosure. car repossession or credit cards bills, we can help.
Filing Bankruptcy in Roswell, Ga
When you are filing for bankruptcy in Roswell, Georgia you are actually filing in the United States Bankruptcy Court – Northern District of Georgia. This is one of three Bankruptcy districts in Georgia. There is a Middle District and a Southern district also, with each one serving counties within their boundaries.
Chapter 7 or Chapter 13 Bankruptcy?
The two most popular forms of bankruptcy are chapter 7 and chapter 13. Cherney Law Firm has extensive knowledge in both types of bankruptcy because that is all we do. Bankruptcy law in the state of Georgia is our passion and we take the time to explain it to you. We have seen every situation and we can help you save your home and car. Most of all, we can stop the harassing calls. When you choose us as your Roswell bankruptcy attorney, the minute we file your case you will have what is called an automatic stay. This means that from that point, your creditors can no longer contact you by any means.
Schedule a 100% free consultation with Roswell, Ga. Bankruptcy attorney to find out if bankruptcy is right for you. We can go over your current debt situation and map out a plan to give you a “fresh start” in life. We are here to answer ANY questions that you may have.
Thousands of Bankruptcy Cases Handled Since 2006
Since 2006, I have represented thousands of clients in their Chapter 7 and Chapter 13 bankruptcy cases. I find this vast amount of knowledge and experience enables me to quickly draw a conclusion when I review a potential client’s situation. Within our first initial meeting I can usually ascertain exactly what steps my client should take in order to resolve their situation once and for all. Once a client gains this knowledge and knows what they need to do next, they can experience a great sense of relief because they are able to gain a much needed sense of control over their situation. If you are feeling confused and overwhelmed about your finances, I would be happy to set you on the right track and guide you ever step of the way.
There are clear differences between Chapter 7 and Chapter 13 bankruptcies. The Chapter 7 bankruptcy tends to be the bankruptcy of choice since it allows debtors to discharge or “wipe out” certain unsecured debts such as credit card debt, personal loans, medical bills and old taxes. However, not everyone qualifies for a Chapter 7 bankruptcy. Those who have a regular and sizeable source of income coming in every month often times have no choice but to file a Chapter 13 bankruptcy. With a Chapter 13 bankruptcy, the debtor pays off all or merely a portion of their debts over a 3 to 5 time period. In order to determine which Chapter you qualify for, you will need to take the bankruptcy means test, and I can help you with this.
Debt Relief Through Bankruptcy in Roswell, Ga
Millions of Americans are suffering with financial troubles, many of which are a direct result of the recent economic downturn. If you are currently experiencing financial difficulties, please take comfort in the fact that you are not alone. Everywhere you turn someone you know is laid off or they are struggling with an underwater mortgage. Perhaps they’ve been in an accident and are drowning in medical bills or suffering from a divorce. No matter what led to your particular situation, we are confident that we can help you find the most practical solution for the matter at hand.
Both Chapter 7 and Chapter 13 bankruptcies have their uses, and both can be extremely powerful when it comes to fighting foreclosures and putting a stop to creditor harassment. By meeting with me in a one-on-one consultation, you can gain a well-rounded understanding of bankruptcy, as well as the benefits of bankruptcy, and your applicable bankruptcy exemptions. While bankruptcy is a powerful tool for discharging certain debts, I understand that not everyone who visits this site is interested in filing for bankruptcy but is searching for another solution.
As a seasoned Roswell bankruptcy lawyer, I respect your position and all I want to do is provide you with the information you need to make the best decision that will be the most favorable considering your individual circumstances. If bankruptcy is not an option, whether it is for personal reasons or practical reasons, then I am more than willing to entertain alternative debt relief options which may include something such as debt negotiation or debt settlement. A lot of times creditors won’t negotiate with the debtor; however, once the debtor has an attorney on the line, their attitudes tend to change very quickly.
Life After Bankruptcy
While bankruptcy does remain on your credit for a number of years, it’s important to understand that right now a lot of people have foreclosures, repossessions and charge offs on their credit. To a potential lender, they are more interested in seeing if you have “rebuilt” your credit after bankruptcy than anything else. Therefore, as a debtor who files for bankruptcy, it is extremely important to focus on rebuilding your credit after a bankruptcy discharge.
The good news is, contrary to popular belief this is entirely possible, and I cannot stress this enough. If fear of ruined credit is holding you back from taking the plunge, don’t let that concern stop you because you can reestablish your credit if you work at it, I’ve seen my clients do so on countless occasions. If you have questions about how to rebuild your credit within two to three years following a bankruptcy discharge, I am here to answer your questions and explain what you need to do to accomplish this critical step.
Whether you are contemplating filing for bankruptcy or are ready to take the first step towards financial freedom, I urge you to contact my office to schedule your free initial consultation with me, attorney Matt Cherney; I look forward to hearing from you and finding the answer you’ve been searching for!
A Roswell Bankruptcy Lawyer That you can Trust
Take the time to read our former client testimonials and you will see that Cherney Law Firm can help you with all of your debt problems. We will be with you every step of the way, before, during and after your bankruptcy filing.
How much does it cost to file Chapter 7 in Roswell, Georgia?
The filing fee to for Chapter 7 bankruptcy protection in Roswell, Ga is $335, Your case will be filed in the Northern District of Georgia bankruptcy court. The fee is set by the court and must be paid whether you have an attorney representing you or you are filing by yourself.
Can I keep my house if I file for bankruptcy in Roswell, Ga
If you are filing for chapter 7, there are scenerios im which you can keep your home, Much of it depends on the homes value, if you are current with payments and if there is any equity in the house. If you are not current with your payments, a chapter 13 bankruptcy might be a better option for you if you would like to keep your house. A chapter 13 will provide you with a repayment plan for the amount of arrears that you currently have.
Can filing bankruptcy stop wage garnishment in Roswell Georgia?
Yes. When you file bankruptcy it will put an immediate stop to wage garnishment. You will be put on what is called an automatic stay, which will order a stop to your creditors on wage garnishment.
Roswell Resource Links
Bankruptcy Information Center
About Roswell, GA