Bankruptcy WITH NEAR LAW FIRM

1. Keep Your Money
2. Keep Your Home & Car
3. Stop Wage and Bank Garnishments
4. Stop Creditor Harassment
5. Stop collection Litigation and Lawsuits

• Income or Work Reduction
• Business Insolvency  
• Personal or Family Difficulties
• Crushing Credit Card Bills
• Overwhelming Medical Bills and Expenses
• Outstanding Federal Tax Liability
• Litigation Judgment
• Other

If you are facing a difficult financial situation, you have multiple debt relief options available to stop your creditors. Near Law Firm can cost effectively help you with the stress and anxiety when facing foreclosure, repossession, garnishment, litigation and/or other forms of creditor harassment. Our firm has experience helping clients with business and/or personal debt relief through bankruptcy. We offer free consultations because financial problems generally do not improve with age. If you are stressing over debt or taxes, we can help. Give us a call now or reach out online.  

• Credit Card Debt
• Medical Debt
• Business Debt
• Wage Garnishments
• Repossession Attempts
• Foreclosures

• Your Home
• Your Car
• Your Wages
• Your Savings
• Your Investments
• Your Retirement

This is what most people think of when considering bankruptcy. Debt is wiped out by Court Order, and you never have to pay it back. Generally, you have to "qualify" based on your household income and expenses to file Chapter 7 but this is not a problem for most people. It is used by individuals or entities, such as partnerships, corporations, or LLC’s, who have no hope of repairing their financial situation.  

Chapter 7 is meant to provide you with a personal "Fresh Start" by eliminating unsecured debt and getting out of undesirable contracts such as mortgages, finance agreements, guaranties, and leases. Keep the helpful debt but eliminate the bad.  The law may allow you to keep most, if not all, of your property, and the trustee may sell the rest to pay creditors. Chapter 7 offers a discharge (or forgiveness) from many, but not all, debts. Consult an attorney for details.

Normally, debts that are secured, like those tied to a mortgage or car payment, are either reaffirmed or relinquished. If you're up-to-date on your mortgage or car payments, it's typically possible to reaffirm the loan, allowing you to retain ownership of the property. Alternatively, if you don't want to keep the property, surrendering it is an option, leading to the discharge of the debt. Most individuals with average income aiming for bankruptcy protection are eligible for Chapter 7 debt elimination. Feel free to get in touch with us today to arrange your complimentary consultation. 

A Chapter 7 can be filed by either an individual or a married couple in the district in which you reside or principal assets are located. For most of our clients who live in the greater Atlanta area those cases are filed in the US Bankruptcy Court for the Northern District of Georgia, Atlanta Division, which serves: Cherokee, Clayton, Cobb, DeKalb, Douglas, Fulton, Gwinnett, Henry, Newton, Rockdale counties. However, I am authorized to and have handled bankruptcy cases in the outer Rome, Gainesville, and Newnan Divisions of the Northern District. Likewise, I handle cases in the Middle District and have attend court in both Macon and Albany for such cases.

The typical Chapter 7 case last approximately 4 months from start to finish. A case is initiated when I press a button on my computer that electronically files the case with the US Bankruptcy Court. Within seconds of filing, a case number is generated and an "Automatic Stay" of collection is enacted. About 30 days after filing, a court hearing called a "Meeting of Creditors" will be held which we must attend. This hearing is generally to verify our filings and typically last less than ten minutes. After the hearing, there is a 60-day period to give creditors a reasonable time in which to raise a legal objection to you getting a discharge. This is very rare as most cases are "no asset" cases and close within 90 days of the meeting of creditors without objections. 

Chapter 13 - This chapter is for individuals with a regular income who are overcome with debt. There are limits as to the amount of debt you can have to qualify for Chapter 13.  Chapter 13 allows the debtor to file a repayment plan of up to five (5) years in which the debtor agrees to pay a certain amount of future income to the court appointed trustee who will begin paying the creditors after the plan has been approved by the court. Payments must begin within thirty days after the case has begun. 

I have personally helped hundreds of clients achieve their financial reorganization goals through defensive litigation and/or bankruptcy. Hopefully, I can help you too. 

Take the Opportunity. Contact Near Law Firm for a free consultation regarding your personal or business bankruptcy. We strive to have an attorney answer our phones. If we are not immediately available, we will call back as soon as possible. Whether you have a question or would like to discuss your situation, I'd love to hear from you. You can contact me by email or phone. The call and initial consultation are free. 

After retaining Near Law Firm in Peachtree Corners, our Consumer bankruptcy clients can take the online Consumer Credit Counseling and Debtor Education classes here: