Chapter 7 Bankruptcy is often called the “fresh start” provision of the bankruptcy code because it allows you to wipe out all of your debt. In a Chapter 7, we show the Court that you are unable, based upon your budget, to pay the debt that currently hangs over you.
When you’re looking for a way out of debt, the first question often asked is: “How much is this going to cost me?
At Clark & Washington, we’ve been helping people navigate these waters since 1983. In those four decades, we’ve learned one vital truth: No two financial crises are identical. If a firm gives you a price tag before they’ve even looked at your paperwork, you have to ask yourself, are they actually looking at my case, or just looking at my wallet?
We believe you deserve an honest, tailored quote based on your actual life.
Because a “flat fee” quoted over the phone often leads to hidden costs or a lack of attention to detail later on. We don’t play those games. We review your specific financial landscape to ensure the fee is fair and the strategy is sound.
The Big Question: Are you ready to stop guessing and start planning with a team of Atlanta bankruptcy attorneys that have seen it all?
In a city like Atlanta, where the cost of living continues to rise, it doesn’t take much to tip the scales. At Clark & Washington, we’ve seen it happen to thousands of hardworking Georgians: you pay your mortgage and your car note first, but that leaves nothing for the essentials. Suddenly, the grocery store and the gas station are going on the credit card.
Does this cycle sound familiar to you?
Before you know it, high interest rates turn “survival spending” into a mountain of debt that feels impossible to climb. But here is the truth, you don’t have to carry that weight forever.
Are you making your payments every month, yet seeing your total balance stay exactly the same (or even go up)?
Have you been forced to use credit cards for basic needs like food, clothing or utilities because your paycheck is already spoken for?
Are you falling behind on your mortgage or auto loan just to keep the credit card collectors from calling?
Does the sight of your mailbox or a ringing phone cause a physical sense of dread?
If you answered “Yes” to any of these, Chapter 7 bankruptcy might be the “Reset Button” you’ve been looking for.
Are you making your payments every month, yet seeing your total balance stay exactly the same (or even go up)?
Have you been forced to use credit cards for basic needs like food, clothing or utilities because your paycheck is already spoken for?
Are you falling behind on your mortgage or auto loan just to keep the credit card collectors from calling?
Does the sight of your mailbox or a ringing phone cause you a physical sense of dread?
If you answered “Yes” to any of these, Chapter 7 bankruptcy might be the “Reset Button” you’ve been looking for.
Under Georgia law, some property and income is exempt from being sold off in Chapter 7 bankruptcy proceedings. Those exceptions include:
The homestead exception can be critical to someone facing the prospect of foreclosure and eviction. There are also other exemptions under Chapter 7, but you should know that filing for bankruptcy has a long-term effect on your credit rating, for up to ten years. If you’d like more information on whether filing for bankruptcy is right for you, speak with one of our knowledgeable Atlanta, Georgia bankruptcy lawyers today.
We’re always here when you need us—day or night.
Trusted legal guidance from Georgia’s leading bankruptcy firm.
