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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy Attorney Helps Consumers Discharge Their Debt

Lawrenceville bankruptcy lawyer counsels individuals seeking relief

Sometimes situations beyond your control can profoundly impact your earning potential and lead to overwhelming debt. If you find yourself unable to pay your bills, you may want to consider filing for bankruptcy. Designed to give debtors a fresh start, Chapter 7 bankruptcy gives you and your spouse relief from debts through liquidation of your assets. With more than 30 years of experience, I can help you file for Chapter 7 quickly and efficiently. Once you have filed for bankruptcy, creditors must immediately stop collections efforts, including harassing letters and phone calls.

Means test for qualifying debtors

To qualify for Chapter 7 bankruptcy relief, you must satisfy the court’s means test, which calculates your income and expenses compared to the median income in Georgia. If you are not eligible for Chapter 7 bankruptcy, Chapter 13 may be available. Law Office of George Shaw can help you determine whether you are eligible for Chapter 7 bankruptcy and if it is your best solution for dealing with your debts.

Liquidation of assets and quick discharge of some, but not all, debts

Liquidation means selling assets to satisfy as much of your debt as possible before the court orders a discharge for the rest of your qualifying debt. However, the law includes many exemptions that allow you to preserve assets, such as your car, clothing, and tools of your trade. I can help you determine which of your assets are eligible for exemption so you get the maximum protection under the law. Upon conclusion of the bankruptcy proceedings, the court grants a discharge of your remaining debt, with some notable exceptions. These include back child support and alimony payments, student loans, recent back taxes, and court judgments based on personal injury claims. I advise you about how much of your debt is dischargeable, so you can make an informed decision about whether to pursue Chapter 7 bankruptcy.

Preparing for your appointment with a bankruptcy attorney

So that I can immediately begin analyzing your case, it is necessary that you bring certain information to your appointment with Law Office of George Shaw, including:

  • A list of your creditors’ names, amount of each claim and nature of the debt
  • Your employer’s name and your gross and net income
  • Other sources of income and amounts
  • A list of what you own and estimates of the value of each item
  • A list of your monthly bills and details of each expense

This information can help Law Office of George Shaw provide an accurate assessment of whether Chapter 7 bankruptcy is appropriate for you.

Contact an experienced bankruptcy attorney in Georgia

Don’t continue to live under a cloud of unmanageable debt. Chapter 7 bankruptcy can quickly discharge your qualifying debt and give you a fresh start. Call 678-971-3081 or contact Law Office of George Shaw online to schedule your bankruptcy consultation at my Lawrenceville, Georgia office.

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Our Offices
  • Lawrenceville Office
    1755 N. Brown Road
    Suite 200
    Lawrenceville, Georgia 30043
    Phone: 678-960-4648
    Fax: 470-427-0211
  • Dacula Office
    3511 Braselton Hwy.
    Suite G100
    Dacula, Georgia 30019