Bankruptcy Attorney in Alpharetta, GA
If you are facing mountains of debt and unpaid bills, you may want to consider bankruptcy. At North Metro
Litigators in Alpharetta, GA, we can give you the guidance you need through your bankruptcy. We are a Federally Designated Law Firm authorized to file Chapter 7 and Chapter 13 cases under the bankruptcy code.
Contact us to get in touch with a bankruptcy attorney that can help you change your life for the better.
We Help You Keep Your Hard-Earned Money
If you’re planning a bankruptcy, you probably want to be sure that you’re working with the right people. At North Metro Litigators, we have a unique solution for working with situations involving you and your creditors. We can help convince a judge that you should be allowed to file bankruptcy, and we’ll fight hard so you can keep as much of your belongings as possible.
Because we know that you don’t have money to spare, we offer a free consultation for every case. We can explore your case together and you can learn the chances of a judgment in your favor before you ever spend a penny on your bankruptcy. After you decide to work with us, we will fight for every penny possible, making the case worth your while.
Work with a professional bankruptcy lawyer from the beginning so you don’t have to worry about making any expensive mistakes. Contact us.
Frequently Asked Questions
What are the Different Types of Bankruptcy?
There are several Chapters in the Bankruptcy Code. Chapter 7 and Chapter 13 are the most common for individuals and businesses.
What are the Main Differences Between Chapter 7 and Chapter 13 Bankruptcy?
Chapter 7 bankruptcy is often called a “liquidation.” It eliminates most non-secured debt and is usually the ideal filing for a person with little to no assets. On the other hand, Chapter 13 is often referred to as a “reorganization.” It requires a monthly payment plan for 36-60 months. This allows the debtor to retain valuable assets such as homes and vehicles while paying back the creditors.
Should I File for Bankruptcy?
Deciding if you should file for bankruptcy depends on your unique situation.
Is There a Certain Amount of Debt to Qualify for Bankruptcy?
For a Chapter 7 and a Chapter 13, it is suggested that you have $10,000 or more in unsecured debt. For a Chapter 13, the amount of secured debt is relevant for purposes of the repayment plan.
Does Bankruptcy Eliminate All Debts?
Bankruptcy eliminates most debts. However, debts like student loans, child support, certain attorney’s fees, criminal fines and some tax obligations are considered non-dischargeable.
Can I Wipe Out Medical Bills by Filing for Bankruptcy?
Most medical bills can be wiped out by filing for bankruptcy.
Does Bankruptcy Stop Foreclosures, Wage Garnishments and Repossessions?
Absolutely. When you file bankruptcy, an “automatic stay” is issued and it stops foreclosures, wage garnishments, repossessions and most lawsuits instantly.
Does Bankruptcy Impact My Credit Score?
Oddly, bankruptcy can increase your credit score after time. If you are in a position of considering bankruptcy, odds are your credit score already took the hit. Because bankruptcy can eliminate and restructure debt, it often increases your credit score by lowering your debt-to-income ratio. Once you complete your bankruptcy, you will obtain a secured credit card and start rebuilding your credit. After about three years, you will be eligible for mortgages and the like. Bankruptcy stays on your credit report for seven years after discharge.
North Metro Litigators and our bankruptcy lawyers in Alpharetta, GA, can provide the guidance you need. Reach out to our bankruptcy attorney today to discuss your options with a knowledgeable bankruptcy lawyer.
