Georgia Bankruptcy Lawyers

With Bankruptcy Offices in Statesboro and Springfield

The idea of filing for bankruptcy might be making you feel stressed out. There is a common misconception that bankruptcy is a bad thing. However, bankruptcy can be a useful tool to help you out of crippling debt. If you want to learn more about filing for bankruptcy, please call our Georgia bankruptcy lawyers today.

Georgia Bankruptcy Lawyers

With Bankruptcy Offices in Statesboro and Springfield

The idea of filing for bankruptcy might be making you feel stressed out. There is a common misconception that bankruptcy is a bad thing. Bankruptcy can be a useful tool to help you out of crippling debt. If you want to learn more about filing for bankruptcy, please call our Georgia bankruptcy lawyers today.

Georgia Bankruptcy Lawyers

Georgia Bankruptcy Lawyers

With Bankruptcy Offices in Statesboro and Springfield

The idea of filing for bankruptcy might be making you feel stressed out. There is a common misconception that bankruptcy is a bad thing. Bankruptcy can be a useful tool to help you out of crippling debt. If you want to learn more about filing for bankruptcy, please call our Georgia bankruptcy lawyers today.

Testimonials

“You helped me restore my faith in so much that looked bleak and decrepit. Along this bumpy road, my lovely daughter is safe, and home, and starting to find peace again…Thank you. All the pieces unfolded and fell into place through a progression only the Lord could have planned. But the people who fulfilled his plan did it through greatness and kindness and strength. In my opinion you and Martha have done Gods work and the Judge came through! I am indebted to you both. Please understand, I can be a force and support as well. “What doesn’t kill you makes you stronger”. I still have a long way to go…so I hope that statement is true. My commitment to be there for you is equally strong. It will be a tough journey. I Pray. You guys are amazing. Thank you for everything.”

BONNIE GRINGER

“We were referred to Mike Hall by a friend who told us that if they had used him in the beginning, they would have had a lot better result. Using Mike ourselves, we have had the same experience. Mike is very personable and gave us some very wise council. We could tell he was trying to help us. We have used him for several issues that have come up, and he has always handled them in a professional and timely manner. He is quick to answer emails or phone calls, and takes his time answering all of your questions. We are very pleased with his services and would highly recommend him to anyone who has a legal problem.”

LYNN & PAM KELLEY

“After a two and a half year battle, my son and I got the justice we longed for. The only quality that I didn’t like about Paige was that she was patient. Which, is a very good quality to have. However, hindsight being 20/20, I’m glad she was so patient. Paige and Ashley (her paralegal) were always in communication with me, and responded in a timely and appropriate manner. When opposing counsel started her antics and attempted to berate and take Paige’s eye off the prize, she didn’t allow it. I sincerely appreciate all they did for me and my son. I know my circumstances were extreme, but Paige looked out for the two of us. I highly recommend the law group, and will always be indebted to them.”

DUSTIN SHAW

“This review is in regards to how attorney Martha Hall handled my cases. Before Martha Hall, I was taken advantage of in family court in Jefferson County and Effingham County with sub par attorneys that resulted in rulings that were unfair to me and created headaches and financial difficulties. I experienced three attorneys before Martha Hall. I never felt that I had equal representation in the courthouse, until I discovered Martha Hall. Since I have hired Martha Hall, I have had equal or better representation and my cases have closed with fair rulings. This is solely a result of having Martha Hall as my attorney. I will not change thus moving forward if I need any legal services. She is worth every penny.”

KEN GIBSON

“I just have to say the professionalism and conduct of the Hall and Hall attorneys was fantastic from the time we walked in the door. We met Sarah then Mrs. Martha Hall. They were all very attentive and compassionate. Kara, our paralegal, was always there for us. She was always there via email or phone contact. We had a very sensitive legal case and Mrs. Martha Hall walked us through it with compassion and professionalism. I cannot say enough good things about this group or thank them enough for doing what needed to be done.”

MYA AND DEAN CAPE

7 Mistakes to Avoid Making When Filing Bankruptcy

Download our FREE guide today and learn what not to do when going through the bankruptcy process.

How Bankruptcy Works

Bankruptcy is designed for people who are so burdened by debt that they don’t have many other options. It offers a lot of benefits, as well as some consequences you should be aware of.

The most frequently utilized forms of bankruptcy are Chapter 13 and Chapter 7. 

Chapter 13 requires a payment term of three to five years. In a Chapter 13 you a scheduled payments to the Chapter 13 trustee and typically payments to mortgage holders on residences. A Chapter 7 is normally advisable if you do not owe monies to secured creditors such as car loans, furniture loans or delinquencies on you home loan. Both bankruptcies are designed to help you get back on your feet.

Download Bankruptcy Checklist

Bankruptcy is NOT Life Ruining

Again, there is a common misconception that if you have to file for bankruptcy, your life is over. That is simply misguided. Yes, there are things to consider before filing, but it is not going to ruin your life. It is intended to help you get your life back from debt.

You normally are able to keep your assets, and you may be able to keep your house, your car, and resolve some tax issues.

Try to reframe the way you think about bankruptcy. It is not meant to ruin your life or no one would ever file for it. It is there to get you out of crushing debt and on a better path. Our Georgia bankruptcy lawyers would love to discuss this with you.

Looking Deeper Into Bankruptcy

Managing money is not easy for many people. You are not going to be able to anticipate every big expense that comes your way, so sometimes people rely on credit to help them out and then get into trouble. You are among the many that have a hard time with debt. Savings can go from cushioned to dry as a bone very quickly for many of us. Our Georgia bankruptcy lawyers are happy to help you through this difficult time and help you understand what your options are.

You may be worried about what it says about you to go through bankruptcy. You may associate bankruptcy with failing. We hope this information has helped you see bankruptcy as less of a failure and more of an opportunity. It can actually show that you are willing to take an opportunity to change in order to save your future. Bankruptcy is a responsible choice to make when you really need the benefits it provides.

When you file for bankruptcy, the companies to which you owe money are notified. The process is meant to be handled with the help of a skilled lawyer. You are essentially asking for some debts to be forgiven, rescheduled, or reduced. You are going to have your finances looked at closely and you will be going through a lot of paperwork. One of our Georgia bankruptcy lawyers would be great to have help you through the process.

Bankruptcy National Living Allowance: Effective 4/1/2020

Household SizeFood and Housekeeping #7 on Sch. JClothing #9 on Sch. JPersonal Care #10 on Sch. JMisc.Total Allowed
1 Person$426.00$88.00$43.00$170.00$727.00
2 People$757.00$159.00$70.00$302.00$1,288.00
3 People$862.00$169.00$76.00$339.00$1,446.00
4 People$1034.00$243.00$91.00$418.00$1,786.00
5 People$1,275.00$301.00$112.00$518.00$2,206.00
6 People$1,518.00$358.00$133.00$617.00$2,626.00
7 People$1,761.00$415.00$155.00$715.00$3,046.00
8 People$2004.00$472.00$176.00$814.00$3,466.00
Add'l Persons$282.00$0.00$0.00$138.00$420.00

Bankruptcy Means Test Guide

Household SizeAnnual Income
1 Person$50,128.00
2 People$65,007.00
3 People$73,738.00
4 People$87,317.00
5 People$96,317.00
6 People$105,317.00
7 People$114,317.00
8 People$123,317.00
Add'l Persons$9,000.00

The Good Parts of Bankruptcy

You may have come to the internet in search of how bankruptcy may help you. When people get into financial trouble, it can be very stressful. It is likely taking a toll on your wellbeing. It might feel like a big leap to file for bankruptcy. We understand that it is intimidating. You should know that bankruptcy can result in a better future.

When you file, you are no longer going to be called by debt collectors all day every day. You won’t see them in your inbox anymore. What’s more, your assets may be protected through bankruptcy, meaning you keep your car and house, if you have those. Next, aside from family law, any litigation against you is ended. No more small claims court proceedings or garnishments.

Any questions you have about bankruptcy in general or Chapters 7, 11, 12, and 13, please feel free to reach out to us and get the answers you are looking for. We know this is a challenging time for you and it can be very overwhelming, but know that you are making a good choice by looking into bankruptcy.

Call Our Georgia Bankruptcy Lawyers Today

If you have not been through this process before, you likely have a lot of questions. Feel free to call our Georgia bankruptcy lawyers right away. We want to help you!