Stressed Over Debt Collectors? Wage Garnishment? Repossession? Foreclosure?
BANKRUPTCY ATTORNEY CRAIG BLACK
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Marietta Bankruptcy Lawyers
Many people think only in terms of one type of personal bankruptcy, not realizing that there are a range of legal debt relief options available. Even then, bankruptcy is not well understood, and many common beliefs are based on myths and misconceptions. The Craig Black Law Firm specializes in bankruptcy for families and individuals in Marietta GA.
Chapter 7 vs. Chapter 13 Bankruptcy
Is Credit Card Debt the Problem? Do You Have Property to Protect?
There are two very common forms of personal bankruptcy, fulfilling the needs of diverse filers with a range of debt problems and personal circumstances:
- Chapter 7 bankruptcy is the most straightforward form of debt relief available, often leading to the discharge of most or all credit card balances and other unsecured debts — but it is limited in its power to protect property and eligibility is dependent on your income.
- Chapter 13 bankruptcy allows for discharge of some debts and the formation of a trustee-approved, 36- to 60-month payment plan to catch up on and pay others — often enabling people to stop foreclosure or protect otherwise non-exempt property.
Not everyone can file Chapter 7 bankruptcy, and the flexibility provided by Chapter 13 is essential to many people’s asset protection goals. People struggling with various types of debt other than credit cards — such as mortgage payments, tax debt, past-due child support, student loans and more — often find a viable solution in a Chapter 13 filing.
Contact Craig Black for a FREE Phone consultation: 678-888-1778
The right form of personal bankruptcy for you will depend on your specific problems and goals. At The Craig Black Law Firm, I take the time to hear our clients out and answer all questions. We want our services to mark the beginning of a brighter, more stable future for you — and we have decades of focused experience making that happen for all kinds of people across the Marietta area including Kennesaw, Smyrna and Vinings.
To discuss issues surrounding Chapter 7 vs. Chapter 13 bankruptcy and other debt relief issues, contact our attorneys anytime. We offer a free telephone consultation to begin exploring options and solutions.
Flexible Appointments: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Marietta Bankruptcy Lawyers
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A wage garnishment is any legal or equitable procedure through which some portion of your earnings is required to be withheld for the payment of a debt.
Georgia is a “non-judicial foreclosure” state. That means the lender can foreclose on your home without filing suit or appearing in court before a judge.
A tax lien attaches to all of your assets (such as property, securities, vehicles) and to future assets acquired during the duration of the lien
Once you are in default, the laws of most states permit the creditor to repossess your car at anytime, without notice and to come onto your property to do so.