Carroll County Chapter 7 Bankruptcy Lawyer · Chapter 13 Bankruptcy
The economic downturn has been devastating to millions of hardworking Americans. Individuals and families who once worked hard to maintain a house and home now face a relentless stream of collections letters and phone calls, as job losses and reduced income has strained bank accounts. If you are facing a debt problem, you are not alone. Millions of Americans have taken advantage of U.S. bankruptcy laws. Sometimes, people deserve a fresh start.
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If you are in serious debt trouble, it makes sense to learn more about debt relief options. The Law Office of Jack F. Witcher, in Bremen, Georgia, is ready to help you eliminate your debt through Chapter 7 bankruptcy, reorganize your debt through Chapter 13 bankruptcy, or simply modify your loan with your mortgage lender. In most cases, you can get the fresh start you need from credit card debt and consumer loans, without losing your house or car.
Compassionate, Responsive Client Service
We know that most people find it hard to admit they need a fresh start from debt. When you work with our firm, you will never be judged for your credit problems. You will find a friendly, compassionate atmosphere, staffed by professionals who will do everything possible to move you through this period of your life as quickly and cost-effectively as possible.
Prominent West Georgia Bankruptcy Attorneys
Before you talk to another bill collector, talk to us. We offer reasonable rates and handle everything. Immediately after you retain us, you can start telling creditors, 'Call my lawyer.'
- Chapter 7 bankruptcy: Eliminate your credit card debt and all other non-secured loans. In most cases, you can keep your mortgage and car payment, if it is in your best interest to do so.
- Chapter 13 bankruptcy: Save thousands of dollars in interest and service fees under a debt-reorganization plan supervised by the regional U.S. bankruptcy courts.
- Mortgage modification: Losing your house to foreclosure isn't in anyone's best interest. Banks are willing to listen. If your adjustable-rate mortgage has grown too high or you have refinanced to a higher mortgage amount, we may be able to negotiate a loan workout to avoid foreclosure.
What Is the Bankruptcy Means Test?
As of October, 2005, individuals filing for bankruptcy must now undergo a financial means test to determine whether they qualify for Chapter 7 to eliminate their debt. If your income is too high in relation to your debts owed, you may not qualify for Chapter 7, but are eligible to file for debt-reorganization under Chapter 13. Determining what qualifies as income and what should be considered debt requires an in-depth understanding of the U.S. bankruptcy code. We have the experience to help you qualify for the bankruptcy filing that is right for you.
Free Consultation · Reasonable Fees · Confidential and Compassionate
From our offices in Bremen, we represent individuals and families filing for bankruptcy in communities throughout Carroll County, Haralson County and West Georgia. Contact our offices to arrange a free initial consultation with one of our Haralson County bankruptcy lawyers today, with no obligation to retain us.
