What Should You Do If Your Wages Are Being Garnished?

Wage garnishment causes serious hardship and can make it impossible to get back on top financially. If your wages are currently being subjected to wage garnishment, bankruptcy could be a solution. King & King in Atlanta can help.

 

When can your wages be garnished?

A creditor must obtain a wage garnishment against you in court. Your creditor must then notify the sheriff’s office where you live and provide paperwork proving the ruling against you. The sheriff’s office will then contact your employer, who must garnish your wages.

 

Will I be told that my wages are going to be garnished?

In most cases you will receive a letter to attend the hearing about your debt or by receiving a letter that a creditor has won a judgment against you. If you miss notification by the court, you may be told by your employer.

 

What can I do if my wages are garnished?

Your creditor will continue garnishments until your debt is repaid if you do not act. One effective way to immediately stop wage garnishment is to file bankruptcy. When you file for bankruptcy, you get an automatic stay, which stops all collections, including garnishments. If the debt is charged off or otherwise addressed during bankruptcy, the garnishment cannot be restarted, even when the bankruptcy ends.

 

At King & King bankruptcy attorneys we have been helping people in the state of Georgia stop wage garnishment for over 40 years. Call us today for a free consultation at 404-524-6400. We can help you get the fresh start you deserve.

 

Wage Garnishment In Georgia? King & King Can Help.

If you are facing wage garnishment, it can be hard. If you’re already under pressure financially, the added pressure may mean you no longer are able to buy groceries or pay for essentials like gas to get to work. At King & King we understand and may be able to help you.

 

If a creditor is garnishing your wages, we can stop the wage garnishment with a bankruptcy filing. In some cases, we may even be able to recover some of the garnished wages after we file your case.

 

When you file for bankruptcy, an automatic stay goes into effect. Before a creditor can resume collection efforts, they must ask a court to lift a stay. The creditor must have a valid reason for lifting a stay. Most creditors would not be able to get the stay lifted. Therefore, your wages would be protected as you work your way through the bankruptcy court.

 

If your debt is discharged by the bankruptcy court, the creditor cannot resume garnishment to collect the debt. If your case gets dismissed without a discharge, the creditor can take steps to reinstate the wage garnishment following the dismissal.

 

If your garnishments were within a 90-day period prior to your bankruptcy filing, the amount garnished was more than $600, and you have enough exemptions to cover them, we may be able to recover and return some of the garnishment proceeds.

 

By working with your experienced King & King bankruptcy attorney, you can stop wage garnishments and reclaim your financial freedom. Call our office today at 404-524-6400 and find out how we can help you.

How Does Wage Garnishment Happen In Georgia?

Dealing with debt can be one of the hardest things one has to face. While you have been saving to ensure you pay your bills on time, you might find that your wages are suddenly being garnished.

How Does Wage Garnishment Work?

Your creditor can get access to your wages or bank account to get a debt paid after a lawsuit has been filed and the court enters a judgment against you. Many times, people do not even know that they have had a judgment entered against them. The creditor can request the court to issue a turnover order to any entity that has control over any money owed to you (usually an employer or a bank).

There is a limit to how much a creditor is allowed to garnish from your wages, usually up to 25% of the employee’s disposable earnings. But in cases where your income and bills are around the same amount, the slightest deficit can make a huge difference. You may not be left with enough money to pay other bills like your mortgage, car payments, or utilities. Garnishment continues until the debt is paid in full with interest. It is a devastating way to have to repay a debt.

How Can Filing Bankruptcy Stop Wage Garnishment?

Filing for bankruptcy is one of the best ways to put an end to wage garnishment. When you file for bankruptcy, an automatic stay goes into effect as soon as you case is filed. This will prevent creditors from collecting money from your bank account and will stop a garnishment from coming out of your paycheck. They will not be allowed to call or contact you in any way. Bankruptcy renders the creditors zero power over your wages.

If you have received any sort of notification that a creditor plans to garnish your wages, immediately filing for bankruptcy can stop your money from being taken away.

At the law offices of King & King, we are ready to help protect you from wage garnishment, and help you get the fresh start you need. If you are concerned about your wages being garnished, talk to one of our bankruptcy lawyers by scheduling a free consultation at 404-524-6400.

What Should I Do If My Wages Are Being Garnished?

What Should You Do If Your Wages Are Being Garnished In Georgia?

We understand wage garnishment causes serious hardship and make it impossible to get back on top financially. If you are currently being subjected to wage garnishment, bankruptcy could be a solution. Here are a few tips to help you stop wage garnishment.

When can your wages be garnished?

A creditor has to successfully sue you in court before they can obtain a wage garnishment against you. When that occurs, your creditor must then notify the sheriff’s office where you live and provide official paperwork proving the ruling against you. The sheriff’s office will then contact your employer, who must garnish your wages.

Will I be told in advance that my wages are going to be garnished?

In most cases you will know a wage garnishment is going to happen either by attending the hearing about your debt or by receiving a letter that a creditor has won a judgment against you. If you miss notification by the court you may told by your employer.

What can I do if my wages are garnished?

Your creditor will continue garnishments until your debt is repaid if you don’t take action. One effective way to immediately stop wage garnishments is to file bankruptcy. When you file for bankruptcy, you get an automatic stay, which stops all collections, including garnishments. If the debt is charged off or otherwise addressed during bankruptcy, the garnishment cannot be restarted, even when the bankruptcy ends.

At King & King bankruptcy attorneys we have been helping people in the state of Georgia stop wage garnishment for over 40 years. Call us today for a free consultation at 404-524-6400. We can help you get the fresh start you deserve.

How Can I Stop a Lawsuit From a Creditor in Georgia?

If you have received a letter about a debt collection lawsuit in Georgia, do not ignore it. A lawsuit will not go away if you don’t do anything, and typically will result in a default judgment against you. If the creditor wins the lawsuit, without much notice to you, there are actions they can take to recover the money you owe them.

Garnished Wages

Once a debt collector wins the lawsuit, they can garnish your wages. When a garnishment order is sent to your employer, you can expect them to withhold a portion of your wages and send the money directly to your creditor.  A wage garnishment is a devastating way to pay back a debt, and can quickly send your life into a financial spiral.

Your Bank Account Can be Frozen

The debt collector can also send the judgment to your bank to “freeze” your bank account. If your account is frozen, there are actions you can take to defend yourself. An experienced bankruptcy attorney can explain to you the next steps on how to “unfreeze” the account and keep your money.

 Bankruptcy May Be An Option

If you cannot afford to settle or fight the debt collector in court, a bankruptcy filing may be the best for you. Chapter 7 bankruptcy can eliminate most debts and provide you with a “fresh start.” Once a petition is filed with the Bankruptcy Court, any debt collection lawsuit (garnishment or frozen account) will be stayed. To find out if bankruptcy is right for you, call the offices of King & King for a free consultation today at 404-524-6400.

What Are Your Rights In Georgia If Creditors Garnish Your Wages?

You have rights in place to protect you from creditors trying to garnish your wages. To withhold wages, a creditor must first obtain a judgment against you and then obtain a court order to start wage garnishment. If you receive a notice of wage garnishment, it is crucial review the judgment to make sure all claims are accurate. There is a strict time limit in appealing the court findings.

Some forms of income like Social Security, worker’s compensation, public assistance, child support, and veteran’s benefits are exempt from garnishment as income in Georgia. However, these proceeds can still be attached once they reach your bank account through a non-wage garnishment. Understanding the impact of wage garnishment and how to protect your rights can be difficult. The bankruptcy attorneys at King & King can answer your questions and help protect your rights.

If you are facing wage garnishment, it can be overwhelming. If you’re already under pressure financially, seeing your wages garnished can lead to not having enough money to make ends meet. We understand and may be able to help. You can stop the wage garnishment by filing bankruptcy. In some cases, we may even be able to recover some of the garnished wages after we file your case.

If you are in danger of having your wages garnished, or your wages are being garnished, the bankruptcy attorneys at King & King  can help you protect yourself and get your finances back in order. Call us today for your free, initial consultation at 404-524-6400.

Facing Wage Garnishment In Georgia? King & King Can Help.

If you are facing wage garnishment, it can be overwhelming and quite scary. If you’re already under pressure financially, the added turmoil of seeing your wages garnished may mean you no longer are able to buy groceries or pay for essentials like gas to get to work. You don’t have to panic. At King & King we understand and may be able to help you.

If a creditor is garnishing your wages, we can stop the wage garnishment with a bankruptcy filing. In some cases, we may even be able to recover some of the garnished wages after we file your case.

When you file for bankruptcy, an automatic stay goes into effect. Before a creditor can resume collection efforts, they must ask a court to lift a stay. The creditor must have a valid reason for lifting a stay. Most creditors would not be able to get the stay lifted. Therefore, your wages would be protected as you work your way through the bankruptcy court.

If your debt is discharged by the bankruptcy court, the creditor cannot resume garnishment to collect the debt. If your case gets dismissed without a discharge, the creditor can take steps to reinstate the wage garnishment following the dismissal.

If your garnishments were within a 90-day period prior to your bankruptcy filing, the amount garnished was more than $600, and you have enough exemptions to cover them, we may be able to recover and return some of the garnishment proceeds.

By working with your experienced King & King bankruptcy attorney, you can stop wage garnishments and reclaim your financial freedom. Call our office today at 404-524-6400 and find out how we can help you.

Filing Chapter 13 Bankruptcy In Georgia

Chapter 13 bankruptcy has helped millions of Americans get out of debt. Chapter 13 allows you to pay back your creditors, and create a payment plan that works for you.  Chapter 13 can also allow you to keep your home as missed mortgage payments can be included in your payment plan. You can stop foreclosure and keep your home. Car payments can also be restructured and high interest payments can be eliminated. If this sounds like the right option for you, King & King can help you throughout the entire bankruptcy process.

Benefits Of Chapter 13 Bankruptcy

A few of the advantages of Chapter 13 bankruptcy:

Avoid foreclosure
Liens and wage garnishments stop
Stop Car repossession
Assets are protected
Refinanced mortgages can be stripped away from your primary mortgage

All secured and unsecured debt, including some student loans and taxes, can be consolidated into a payment that you can afford.

Chapter 13 Bankruptcy Petition

Filing the petition with your bankruptcy lawyer is the first step. Once your attorney files your bankruptcy petition with the courts, an automatic stay is put in place so that your creditors cannot try to collect debts from you. This means the harassing phone calls will stop as does wagegarnishment, repossession, foreclosure, and lawsuits.

When filing, you will need to provide the names and addresses of all of your creditors and financial liabilities including your car loan, medical bills, credit card debt, tax liabilities, student loans, child support payments, alimony payments, personal loans, and mortgage. Listing your income and all of your debts is considered in what is called the “means test” to ensure that Chapter 13 will work for you. Your attorney can help you navigate this process.

If your debt is unmanageable, you need a solution. King& King can help you wipe the slate clean so that you can start over and have a bright financial future. Call us for a free consultation today at 404-524-6400

Stopping Wage Garnishment In Georgia

If you are struggling with debt, having money taken out of your paycheck can be a devastating setback. For many Georgians, wage garnishment is a hard reality. Filing for bankruptcy can make it stop.

At King & King bankruptcy attorneys, we have over 30 years of experience helping people through the bankruptcy process. Our knowledgeable attorneys are here to get you the fresh start you need.

You Can Stop Wage Garnishment Today

If you are facing creditor actions like wage garnishment and bank account levies, King & King can help. If you are behind on your loan, medical, or credit card payments, creditors may pursue a lawsuit against you. If successful, they will have the legal right to take up to 25 percent of your paycheck. This is a devastating way to pay a debt.  Also, creditors who have obtained a judgment against you may take funds out of your checking or savings account.

Filing for bankruptcy creates an "automatic stay," an action that stops debt collectors from taking action against you. King & King makes the "automatic stay” work for you and helps you keep every dollar of your paycheck and your bank account. Both Chapter 7 and Chapter 13 bankruptcy will protect you from wage garnishment and other creditor actions. Our attorneys will work with you to help you decide the best debt relief plan.

If you are ready to stop wage garnishment and get out of debt, we are here to help. Contact King & King today at 404-524-6400 to schedule a free consultation with an experienced lawyer. 

Bankruptcy Can Stop Wage Garnishment In Georgia Immediately

If wage garnishment has started, you need help! Your paycheck is at risk until the moment we file your bankruptcy petition. Filing for either Chapter 7 or Chapter 13 bankruptcy will stop garnishment actions against you. Filing for bankruptcy will also discharge the underlying debts that led to the garnishment.

In Georgia, a creditor can garnish as much as 25% of your wages. Such a large amount can mean financial disaster, of course. If you have more than one creditor you are in trouble with, then a garnishment makes it likely you will default on all of them. It could even mean your house goes into foreclosure or you lose a car, if you cannot pay your bills. Then you may face being garnished on what remains of the car loan after it is auctioned.

Bankruptcy will stop your garnishment immediately. King and King may also be able to recover up to 90 days of wages that were garnished prior to filing.

Having your wages garnished can cause a huge strain on your finances and livelihood. Call our Georgia bankruptcy lawyers today for a free consultation. King and King can provide the bankruptcy relief and protection you need to get a fresh start. Call us at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information. 

How To Stop Wage Garnishment In Georgia

Wage garnishment in Georgia can be difficult to reverse. The money you earn will be taken out of your paycheck until the full amount is repaid to your creditor. The good news is as soon as you file bankruptcy, the bankruptcy court issues an order telling all of your creditors to stop contacting you. This order is called the “automatic stay.“  The automatic stay also prohibits creditors from any and all collection actions against you, including wage garnishments.

Even if you wait until after you have begun being garnished, a bankruptcy will stop the garnishment immediately. You may be able to recover months of garnished wages. Any money that is garnished by mistake after the case is filed must also be returned.

To stop your wage garnishment and file for bankruptcy, contact the experienced bankruptcy attorneys at King and King for a free consultation today, 404-524-6400. Need more information? Visit us at www.kingandkingattorneys.com

How Can I Stop My Wage Garnishment?

When your creditors are unable to collect payment of old debts through harassing collection calls and threatening letters, their next step may be a civil lawsuit, or wage garnishment. Difficult times due to a job layoff, divorce, or personal injury can happen to anyone in Georgia. You are not alone. We understand that you did not choose to be in this situation. We are here to help.

If you are unable to pay your bills now and know you will not be able to do so in the future, bankruptcy may be the key to a strong financial future.

Bankruptcy stops most garnishments dead in their tracks.  We may even be able to recover funds garnished up to 90 days before you filed your case.

If your wages are being garnished or you think garnishment is a possibility, then consider getting a fresh start in bankruptcy. Call King and King Bankruptcy Attorneys today at 404-524-6400 for a free consultation or visit us at www.kingandkingattorneys.com for more information.

What Happens To Credit Cards In Bankruptcy?

Credit card debt is one of the most common debts Americans have, and most of our clients want to know what will happen to their credit cards in bankruptcy. Most importantly, credit card debt can be discharged in bankruptcy.  Credit card debt is an unsecured debt and unsecured debt has the lowest priority in a personal bankruptcy. Credit card debt is almost always dischargeable in bankruptcy.

It is important to know you can’t leave any credit cards out of your bankruptcy. Bankruptcy is an all in process: all debts need to be listed on your petition.  If you've been using your credit cards close to the time when you file for bankruptcy it may be difficult to discharge that debt, especially if you made a luxury purchase. Tell your bankruptcy lawyer about your recent credit card usage.  Your lawyer can formulate strategies for filing your bankruptcy and getting all of your debts discharged.

Filing for bankruptcy in Georgia will give you federal protection against creditor harassment, wage garnishments, foreclosure, and repossession. If you file a Chapter 13 bankruptcy, credit card companies are also required to accept the terms of your new repayment plan (most cases filed pay 0% to their unsecured creditors).  If you’re ready for a fresh start, call King and King Attorneys in Atlanta today at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.

Should I Consider Bankruptcy As An Option?

If you are behind on your bills, facing foreclosure, repossession or other financial difficulties in Georgia, bankruptcy can be a possible solution to your situation.

Bankruptcy might provide you with the right solution if:

• You are facing foreclosure on your home
• Your car or other property is in danger of being repossessed
• You are having trouble making credit card payments
• You lost your job
• You have incurred large medical bills
• You are receiving harassing calls from creditors
• Your wages are being garnished

Whether you want to learn more about the bankruptcy process or you are ready to take the next step, our lawyers can help. They’ll meet with you at no charge for an initial consultation, and then recommend the best course of action. King and King is sympathetic to your problems, and we know how to help you solve them. Call us at 404-524-6400 or visit us online at www.kingandkingattorneys.com.

What Are Some Common Bankruptcy Exemptions?

King and King bankruptcy attorneys in Atlanta will use Georgia state law to protect your personal property. Listed below are some of the most common types of exemptions that our bankruptcy attorneys will use to help you keep your personal possessions.

Our attorneys want you to consider these exemptions as you're contemplating whether or not to file Chapter 7 or Chapter 13. Our bankruptcy attorneys will provide you with a consultation to explain how each could or could not apply to your particular case. In addition, our bankruptcy attorneys may also be able to use other bankruptcy exemptions that do not appear on this list.

Motor Vehicle Exemption -- Your bankruptcy attorneys will use this exemption to protect motor vehicles listed in your bankruptcy.

Home Exemption -- This exemption can be used to protect the equity in your home and its improvements, your land, and/or your mobile home.

Household Goods Exemption -- This exemption allows your bankruptcy lawyers to protect your interest in your valued household goods, appliances, furniture, and home and yard equipment.

Life Insurance Proceeds Exemption -- This exemption can be used to protect a payment under a life insurance contract that insured the life of an individual of whom you were a dependent, to the extent reasonably necessary for your support or the support of your dependent(s).

Retirement Plan Exemption -- Your lawyers can prevent creditors from touching the proceeds of your hard-earned retirement plan.

Professional Tools of the Trade -- This is a useful exemption that can be used to protect the tools you use in your profession.

Wildcard Exemption -- The "wildcard" exemption permits you to protect your property not covered by any of the other exemptions.

These are just a few of the exemptions that will put you back in the black after your bankruptcy. Call the experienced lawyers of King and King today for a free consultation. 404-524-6400 or visit www.kingandkingattorneys.com

Will I Need To Notify My Creditors That I’ve Filed For Bankruptcy?

One of the many benefits of working with an experienced bankruptcy attorney is we take care of notifying your creditors for you. After we file your bankruptcy, the bankruptcy court sends an official notice to your creditors informing them of your bankruptcy.

Your creditors have until 60 days after the date first set for your meeting with the trustee to file a motion objecting to the discharge of your debt.

Usually no objections are filed and we can proceed through bankruptcy. If a creditor does file an objection, we can help you decide what to do next.

One of the most important benefits of filing for bankruptcy comes at the moment you file. An automatic stay goes into effect. That means that collection actions against you or your property, including repossessions, garnishments, and foreclosure actions, immediately stop. As long as the stay is in effect, creditors cannot initiate or continue lawsuits, wage garnishments, or even call you on the phone to demand payment.

Don’t wait any longer for the fresh start you deserve. At King and King, we can help you get back on track to a healthy financial future and handle your creditors for you. Call us today at 404-524-6400 for a free consultation or visit us at www.kingandkingattorneys.com.

Filing Chapter 13 Bankruptcy in Georgia

Filing Chapter 13 Bankruptcy in Georgia

Chapter 13 Bankruptcy

Chapter 13, also known as "Reorganization Bankruptcy," gives people the opportunity to repay debts, usually without the liquidation of assets.  In many cases, this helps homeowners avoid foreclosure and keep their homes as long as they can continue to make payments.  It can also be helpful in preventing repossessions, wage garnishments, debt lawsuits, and can also help pay off or reduce credit card debt.

Chapter 13 Bankruptcy Can Help You To Financial Freedom

Chapter 13 bankruptcy is designed to help people who have financial troubles often spurred by the loss of a job, unexpected health problems, divorce, or other unplanned events. Whatever may be causing your financial setback, it can often be remedied with a little time and some breathing room. Chapter 13 provides that opportunity to help you get back on your feet.

How Chapter 13 Bankruptcy in Georgia Works

A multitude of factors, such as your income, assets, and the specific nature of your debts all contribute to the amount of your plan repayment. The repayment amount is also based upon the median income standard for the area of Georgia in which you live. The time frame for Chapter 13 is usually three to five years, depending on your situation, and it can be used to pay off and eliminate both secured and unsecured debt. We are experienced in all areas of Georgia bankruptcy law and can help you through the difficult process.

If you're facing financial difficulties and think bankruptcy may be your best option, contact the Atlanta, Georgia bankruptcy lawyers of King and King for your free bankruptcy consultation today, 404-524-6400.

Chapter 7 in Atlanta Georgia - "Fresh Start" Bankruptcy

Chapter 7 in Georgia - "Fresh Start" Bankruptcy

Chapter 7 bankruptcy is also known as a "Fresh Start" bankruptcy.  Chapter 7 bankruptcy allows you to eliminate most or all of your debt, such as personal loans, medical bills, and credit cards, while being allowed to keep most if not all of your property.

Once you decide to file Chapter 7 bankruptcy, King & King will begin the process immediately to stop creditor harassment and threats from lenders.  If your wages are being garnished, filing Chapter 7 bankruptcy will stop the garnishment immediately.

In most cases in the state of Georgia, you will be able to keep your home and your car.  Bankruptcy is not intended to hurt, it’s intended to help.

Chapter 7 does not eliminate:

Student loans, except extreme hardship cases

Recent tax debt (although stale tax debt is usually dischargeable)

Debts for alimony, maintenance or support

Debts for fines, penalties or criminal restitution

Debts for personal injuries caused by driving intoxicated

Chapter 7 is the most commonly filed bankruptcy and can allow for a new start. More and more Americans find themselves struggling with debt they cannot control. Chapter 7 bankruptcy allows for their debt to be discharged and lets them get in control of their financial situation.

To discuss your bankruptcy options, including Chapter 7 bankruptcy, with a knowledgeable King & King attorney in a free initial consultation, contact us today. Timing is always important in bankruptcy-related matters.  The sooner you contact us, the sooner we can begin helping you get your life back on track. Call today 404-524-6400.

Chapter 7 Bankruptcy in Georgia

Chapter 7 Bankruptcy in Georgia

A Chapter 7 case is the most common form of consumer bankruptcy; it is limited to persons who have income below a certain level.  In a Chapter 7 case, the person is forgiven from paying certain debts in an attempt to provide a "new beginning" on life.   The debtor is permitted to keep a certain amount of belongings while a Trustee collects all of the "non-exempt assets" and sells them in order to pay as much to the creditor as possible.   Creditors get paid in order of their priority, with debts such as child support, taxes, and trustee expenses being paid first. 

Certain property is exempt, such as a vehicle, equity in your primary residence, retirement accounts and benefits, and various types of household goods and personal property.  In most cases, the debtor does not own sufficient non-exempt assets of value to make it worth the Trustee’s efforts to collect and sell them. 

Certain debts cannot be discharged in a Chapter 7 bankruptcy, such as alimony, child support, fraudulent debts, certain taxes, student loans, and certain items charged  (we may be able to answer your Georgia exemptions questions during a free consultation). Usually, large credit card debt and other unsecured bills coupled with few assets typify a Chapter 7 bankruptcy filer. In the vast majority of cases this type of bankruptcy is able to completely eliminate all of the filers debts.

Upon filing your Chapter 7 case, bankruptcy will brings an automatic stop to collection calls, collection law suits, judgments, garnishments, pending car repossessions and even home foreclosures.  This may give you some breathing room.  However, the mortgage company or car creditor may still pursue their rights to take your house or car at a later date if you remain behind on payments.  Still, Chapter 7 bankruptcy may give you the critical time you need to eliminate or renegotiate your debts.

Bankruptcy laws are complex, be sure to speak with an experienced bankruptcy attorney before going forward.  The bankruptcy attorneys at King and King will provide you with a free consultation. Call us today at 404-524-6400

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How Much Can It Cost To File Bankruptcy?

How Much Can It Cost To File Bankruptcy?

King and King Bankruptcy Attorneys, Atlanta, Georgia 1/17/2013

Most people would like to see a dollar amount to answer this question.  However, the cost of filing bankruptcy can vary depending on your financial circumstances, whether you need to file a Chapter 13 or Chapter 7, and the experience of your attorney.

 A Chapter 13 is a reorganization of your debt and a repayment plan bankruptcy. You must have income coming in every month to be able to support a Chapter 13 bankruptcypayment. It is a very detailed and complex bankruptcy and one we suggest that you do not file without an attorney. Chapter 13 bankruptcy may require you to pay a certain amount to your unsecured creditors over the course of your plan. You may be able to eliminate all of your unsecured debt and just pay back your secured debt, a great benefit that many of our clients are able to take advantage of.  You should schedule a consultation with an attorney to get more details and make sure that Chapter 7 bankruptcy (where all of your debt may be discharged) isn't an option.

Chapter 7 bankruptcy can clear most debts in a shorter amount of time.  Once you file Chapter 7, the creditors stop harassing you and debt payments stop.  Most if not all of your property can be protected in a Chapter 7, and you can stop lawsuits and garnishments against you. 

The cost of Chapter 7 or Chapter 13 bankruptcy depends on the case.  Call King and King Bankruptcy attorneys today at 404-524-6400 for a free consultation.  After your consultation, we will be able to offer you a quote for your case. 

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