Can Bankruptcy Get Rid Of My Credit Card Debt in Georgia?

Thousands of people in Georgia owe credit card debt at any point in time. You are not alone. If you owe more on your credit cards than you can pay back, or if your accounts are going into collections or getting paid less often, bankruptcy may be the best option for you.

Filing for Chapter 7 bankruptcy is the first option for those who cannot pay off their credit cards.
Chapter 7 bankruptcy discharges credit card debt. It can provide you with a "fresh start" and relieve the stress of not being able to pay for what is owed. Chapter 7 bankruptcy can discharge other debt as well; discuss all debt you owe with your attorney.

Another option is Chapter 13 bankruptcy. Filing for Chapter 13 bankruptcy can help reduce your credit card debt through an affordable repayment plan. Our experienced bankruptcy lawyers will work with you to ensure all your debts are covered by your bankruptcy filing.

Contact King & King For Help Today

If you would like more information, call our office for a free consultation at 404-524-6400. We are one of Georgia’s largest consumer bankruptcy firms and would be happy to assist you. Take the first step to get you back on your financial feet. We have helped thousands of people just like you. Get a fresh start today.

What Are The Benefits Of Filing Bankruptcy In Georgia?

The largest benefit of filing bankruptcy is you can gain control of your financial and legal situations.

By filing for a Chapter 7 bankruptcy or Chapter 13 bankruptcy, you can find financial relief and discharge many of your debts. When you work with your team of bankruptcy lawyers at King & King, you will be guided throughout the bankruptcy process with the understanding of your unique circumstances. We will help you solve your immediate financial burden and provide you with long-term solutions to make sure you stay debt free. Here are a few of the benefits of filing bankruptcy:

Discharging Debt

When you file for bankruptcy, medical bills, credit cards, cell phone bills, some mortgages and auto loans will be discharged. Most debts are completely wiped out. Filing for bankruptcy can make a significant impact on reducing your monthly bills.

Stopping Creditor Harassment

Being constantly bombarded with the reminder that you are behind by harassing creditors and collectors will stop. When you file for bankruptcy, all calls from creditors will immediately stop and all collection attempts will be placed on hold. If a creditor tries to reach you, you can inform them that you have filed for bankruptcy and direct them to contact your attorney.

Rebuild Your Credit

Instead of using your income to pay debts, filing for bankruptcy will discharge your unsecured debts and provide you with enough money to get back on your feet. With more disposable income, you can begin to rebuild your credit and work toward a financially stable future.


If you would like more information, call our office for a free consultation at 404-524-6400. We are one of Georgia’s largest consumer bankruptcy firms and would be happy to assist you. Take the first steps to get you back on your financial feet. We have helped thousands of people just like you. Get a fresh start today.

Bankruptcy Can Stop Foreclosure in Georgia

Foreclosure can begin quickly after missing just a few payments toward your mortgage. The bank that owns your loan can initiate the repossession process and begin foreclosing on your home before you have time to make up the missed payments. In a foreclosure, the lender will sell your home in an auction and the purchase price will be used to repay the debt on your loan. If you have been given a foreclosure notice, you need to immediately speak with a lawyer. King & King can help.

At King & King bankruptcy attorneys, our team can put a stop to the foreclosure process by quickly helping you to file for bankruptcy. One of the most common forms of stopping foreclosure is filing Chapter 7 bankruptcy. As soon as you file for Chapter 7, you will have an automatic stay placed onto your assets and all creditor collection attempts stop. This stay will also put a stop to the foreclosure sale, even if your home is already in the middle of the foreclosure process. Waiting too long to file for bankruptcy can hinder your defense against foreclosure, it’s important that you act immediately after you receive a foreclosure notice from your bank.

You Can Keep Your Home.

Your home may be on the line, so the bankruptcy lawyer you choose matters. At King & King, our team is committed to ensuring that you receive a positive outcome for your case and we will immediately begin to work with you to protect your home. We have helped thousands of clients avoid home foreclosure, we can help you too. If you are facing foreclosure, call King & King and schedule a free case evaluation today! 404-524-6400 www.kingandkingattorneys.com

Debt Collection Help In Georgia

When you are being harassed by debt collectors, it feels like it may never end. Your voicemail is full from collection agencies that have been calling you day and night. They may even call your place of employment. At King & King, we can end abusive debt collection and help put you on the path of financial independence.

Knowing your rights is the first step to end the harassment. A debt collector is not allowed to do the following:

Debt collectors are not allowed to call before the hours of 8 am or after 9 pm.

It is illegal to say that they are law enforcement, or to say that they are a lawyer, if they are not.

They are not allowed to call repeatedly during a small time period, or to let the phone ring for an extended amount of time.

Debt collectors cannot call you at work if you have requested that they do not.

They are not allowed to threaten to arrest you or threaten you with physical harm of any kind.

It is against the law to threaten to garnish your wages or place a lien on your property unless they are actually within legal means to do so.

They may not use abusive language or swear words while communicating.

Debt collectors are not able to report false information on a consumer’s credit report, or threaten to do so.

Putting a stop to the calls

It can be a frustrating experience to deal with debt collectors. One of the ways to end creditor harassment and collection activities is to file for bankruptcy. Once you have filed, the collection agencies must cease all collection activities. Contact the Georgia bankruptcy attorneys at King & King for a free consultation to learn more about your rights and to discuss your legal options. 404-524-6400

Can filing for bankruptcy In Georgia wipe out my medical bills?

The answer is yes! Medical debt is one of the most common reasons people file for bankruptcy. Medical debt is almost always 100% dischargeable in bankruptcy.

Unfortunately, even people with health insurance find themselves with high medical bills. The judges in bankruptcy court are well aware of the difficulties this presents. In addition, when someone has high medical bills, it often means they also have had to take time off from work leading to more financial stress.

We can help. Even if you are current on installment payments or an insurance claim is pending, you may consider filing for bankruptcy to get the complete debt relief that is available to you. Medical debt collection stops as soon as you file your case. The bankruptcy attorneys at King and King will help you take these steps to become free of your medical debt. We offer a free case evaluation to answer your most pressing questions.

Our skilled Georgia bankruptcy lawyers can help stop the medical debt collection.

King and King has over 30 years of experience, and we are here to assist you in determining if filing for bankruptcy is the best solution for removing your medical debts. Please call us with your questions for a free initial consultation 404-524-6400 or visit is online at www.kingandkingattorneys.com.

Can Bankruptcy Stop Car Repossession?

Having a car is essential. The good news is filing a bankruptcy petition will immediately stop an auto lender from repossessing your car.

The bankruptcy attorneys at King and King will help you determine how you can keep your vehicle after bankruptcy. We will also help you obtain a fresh financial start, free of debt.

You Can Stop Repossession

Once you file for bankruptcy, the threat of repossession stops. Your attorney will discuss your options with you. These options may include:

Redemption — If you are underwater on your loan you can negotiate to obtain more favorable terms.

Ride through — Keep the vehicle and keep making your payments.

Reaffirmation — Renew your loan at the same terms.

Even if you are behind on your payments, we can help keep you in your car. Filing Chapter 13 bankruptcy allows you to repay your car loan slowly over three to five years, often with an interest rate much lower than what you already have. Filing Chapter 7 bankruptcy will give you the time you need to either get caught up on your payments or modify your loan. Your attorney will help determine which is the best option for you.

At King and King, we can stop repossession immediately and take the actions needed to help you get out of debt. Call us today at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.

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.