Georgia Bankruptcy Firm Relieves the Burden Caused by Debt
Experienced Griffin attorneys offer representation tailored to your needs
Bankruptcy isn’t a punishment or an admission of guilt. It is a legal process specifically created to help people overcome financial difficulties that often cannot be avoided. At Thacker & Dutton Law Firm, LLC in Griffin, our lawyers are compassionate advocates who use bankruptcy to create a fresh financial start for Georgia clients. We take a detailed look at your situation and explain whether your best option is to file for Chapter 7 debt discharge, to create a Chapter 13 repayment plan or to use other methods to reduce your monthly obligations. With 40 years of combined experience, our attorneys know how to prepare necessary documents, handle creditor meetings, and advocate for the fairest resolution possible.
Skillful Spalding County advocates handle Chapter 7 liquidations
Chapter 7 bankruptcy is a powerful tool when no reasonable path exists to pay all of one’s debts. Certain requirements must be met, including a means test and a review of any prior bankruptcy history. We will review your circumstances and determine what strategy suits your needs. If you are eligible, Chapter 7 bankruptcy can:
- Stop collection abuse — Creditors use harsh and sometimes illegal tactics to wrestle payments away from debtors. Even when penalties such as wage garnishments and utility cutoffs are lawful, they can take an enormous toll. Once your filing is accepted, the court issues an automatic stay, which prevents creditors from contacting or punishing you until the bankruptcy process is completed.
- Discharge nonexempt debts — Certain debts, such as tax liability, back child support and student-loan obligations continue after a Chapter 7 bankruptcy is finalized. However, unsecured debts, including credit card and medical bills, are eliminated at the end of your case.
- Start to re-establish your credit — Once your nonexempt debts have been discharged, you can start the process of rebuilding your credit rating. You might be able to regain the ability to make key financial transactions more quickly than you realize.
The relief available under bankruptcy law can change your life for the better. Don’t trust this important matter to someone unfamiliar with the relevant standards. Our firm offers a free initial consultation and cost-effective rates so you can make a fresh start and avoid unnecessary complications.
Dedicated lawyers establish Chapter 13 bankruptcy repayment plans
Informally known as a “wage earner plan,” Chapter 13 bankruptcy provides an effective solution for people who have a steady income but are still being harassed by creditors because they are behind on payments. Under this program, contacts from collectors are halted immediately while parties work on a plan to satisfy debt obligations over a schedule lasting from three to five years. Our firm looks at every aspect of your monthly expenses to advocate for a plan that allows you to support yourself and your family while reducing what you owe.
Contact a knowledgeable Georgia bankruptcy attorney for a free initial consultation
Thacker & Dutton Law Firm, LLC advises Georgia clients on all types of bankruptcy issues and other debt relief matters. Please call 770-229-9593 or contact us online to schedule a free initial consultation at our office in Griffin.