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Looking For A Chapter 7 Bankruptcy Attorney?

Are you in serious debt? Chapter 7 bankruptcy is a legal process that may be able to relieve some or all of your debts to give you a fresh start. However, it isn’t an easy fix to your financial problems. Filing for a Chapter 7 bankruptcy may require you to forfeit some of your assets. It is also possible, in some cases, to file a no-asset bankruptcy if you do not have substantial property to liquidate. It could also impact your credit score. While this option may put you in a better position to move forward, you should consider how it will affect your specific situation with an experienced legal professional. Brad Stephens is a bankruptcy attorney that can help guide you through the Chapter 7 process. Brad assists clients around the Cartersville area, including Adairsville, Emerson, GA, and the surrounding towns.

Get the creditors off your back and get back into a positive financial position. Protect your property from repossession and get a fresh start by filing for Chapter 7 bankruptcy with the help of attorney Brad Stephens. Call (770) 334-2704 or fill out our online contact form in order to get in touch with a qualified bankruptcy lawyer. Brad is looking forward to meeting you and guiding you through the process.

Chapter 7 Bankruptcy: Know Your Rights

Liquidation bankruptcy and straight bankruptcy are both alternate terms for Chapter 7 bankruptcy. When you file for this type of bankruptcy, a court-appointed trustee collects and sells your assets. Then, they distribute the money made from your assets to the creditors whom you owe. Only creditors who file claims will receive payment.

However, the trustee can’t take all of your assets. Some types of assets are exempt up to a certain amount under Georgia state law. For example, $21,500 of value in real estate or personal property is exempt, as well as $5,000 of value in motor vehicles. There are specified exemption amounts for things like jewelry, furniture, income like child support or alimony payments, public benefits, insurance proceeds, and retirement accounts are fully exempt. These are just a few examples of many exempt assets in Emerson, GA.

Before you file, consult experienced Chapter 7 bankruptcy attorney, Brad Stephens. Brad will answer your questions and offer advice based on years of legal experience. We will have to collect your financial records, including credit card statements, bank statements, pay stubs, and more. We will use this information to file several documents with the court including a bankruptcy petition and statement of financial affairs. You will have to disclose all of your debts, your income, expenses, and more. You will have to pay a filing fee to the court.

In some cases, there may be a better alternative to bankruptcy when it comes to solving your debt problem. Brad Stephens can advise you on your options and help you file if it’s right for you. For people in debt that they are unable to pay off, with suffering credit scores, it may be a way to start fresh and “reset” your financial position. Brad will guide you through the process and help protect you from creditors.

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Do You Qualify For No Asset Bankruptcy?

In many Chapter 7 bankruptcies, the filer gets to keep most of their assets. In some cases, the debtor gets to keep all of their property. This is called a no-asset Chapter 7 bankruptcy. In order to have a no-asset case, you need paperwork that proves you don’t have assets that aren’t protected by Georgia’s bankruptcy exemptions. In some cases, if your nonexempt property is of insignificant value, the trustee may abandon that property (which means they let you keep it).

Filing Chapter 7: Get The Help Of Brad Stephens Today

Facing bankruptcy can be a frightening process. There are many unknowns to those unfamiliar with it. However, you don’t have to do this alone. Are you looking for a Chapter 7 bankruptcy attorney in the Emerson, GA area? Contact Brad Stephens to get the legal guidance and support you need.

Get in touch:

Law Office of Brad Stephens, P.C. has lawyers who are experienced with a variety type of criminal defense, bankruptcy, personal injury, and estate planning law issues. If you want advice or are seeking legal support, please consider getting in contact. We’d love to help you with your case.

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If you’re looking for quick service, then consider giving us a call. One of our lawyers is available to speak to your directly. We hope to be able to discuss your case and schedule an appointment.

The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs. Law Office of Brad Stephens, P.C. looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and Law Office of Brad Stephens, P.C.

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