Bankruptcy provides much more than a fresh start to the person or entity who examines its benefits. First, bankruptcy can provide an additional debt reduction option for someone, or even a company, who needs help rediscovering their financial viability.

Simply put, it allows the person or business to be released from the debt of its creditors, enhancing their spending power, stimulating the economy around them, instead of being beholden to their current creditors.

In the state of Georgia, everyone is able to file for bankruptcy when they meet the criteria as outlined by the law. If you are not able to file, it is simply because of the statutory laws that are in effect concerning your specific case. Our Atlanta bankruptcy attorney can help you determine your eligibility, and provide you with personal options to move forward.

If you have already filed for bankruptcy, and were unable to proceed with the court appearance to discharge your financial obligations fully and legally, you may be able to refile and get the clean start you deserve.

Bankruptcy helps individually, from a business standpoint and economically. No matter what type of bankruptcy one may pursue, the results will provide a welcomed restart in the financial world.

Bankruptcy allows an individual or business to reorganize or liquidate their debt, allowing them to become free from the specific creditors in their case. This enhances spending power, and eliminates the evils of interest rates that were piling up and boosting the creditors’ bottom lines. That money, in turn, is being put to good use throughout the economy, instead of spoiling in late fees and interest hikes that drag individuals into deeper debt.

There are a number of types of debts that cannot be forgiven simply by filing for bankruptcy. It is important to understand each of these fully, especially if they are applicable to your debt.

Child support, tax liens, debts that were incurred by way of fraud and court fines cannot be removed during a bankruptcy filing. These items, and others, are part of the non-dischargeable section on the bankruptcy code, Section 523.

It is important to understand that bankruptcy does not exist as a way of discharging debt that was purposely developed without the intention of paying. That is to say, individuals cannot irresponsibly rack up credit card after credit card, and run to the hills of bankruptcy to recover financially.

The circumstances that lead to bankruptcy are innumerable, and result from real issues that are keeping families in debt while they wallow in financial ruin. In fact, in our nearly twenty years of bankruptcy focus, we have yet to meet an individual who is happy to have contacted us.

Medical debts, disabilities, threats of foreclosure because of lost wages, layoffs or income cuts are all items that plague financial livelihoods, and these are the people we are committed to helping.

Our Atlanta bankruptcy attorney understand the uncertainty that lies behind the fact that you can no longer pay your bills, while supporting yourself and/or your family. In fact, we understand that the moment you miss a payment with a creditor, your situation worsens immediately. Late fees, hikes in interest rates, threats, harassing phone calls and letters can lead to poor physical and emotional health as the burden becomes too much to bear. We understand, and we want to help.

Our Atlanta bankruptcy attorney and professional support staff want each of our clients to understand that there is nothing to be ashamed of, despite the mumblings from Congress and the wealthy. These two groups believe that individuals simply quit their jobs one day and file for bankruptcy the next, laughing their way out of debt without consequence. Nothing could be further from the truth.

Considering bankruptcy is a very serious acknowledgment, and is often a realization that leads to severe self-doubt within families. How did I get here? What happened? Our Atlanta bankruptcy attorney can help individuals and families alike answer those questions, while helping them start their financial lives over again.

Bankruptcy is a personal decision that individuals make when they can no longer see the light at the end of the financial tunnel. We understand fully that the only way to return to a less-stressful existence is by partnering with a qualified, experienced Atlanta bankruptcy lawyer.

We provide a private forum for individuals to discuss their current financial existence, no matter how bad they think it might be. In the twenty years that we have been specializing in bankruptcy law, our Atlanta bankruptcy lawyer understand that it is important to partner with our clients so they can feel the trust and understanding within our communications.

We do not deliver advice over the Internet, nor do we take bankruptcy cases simply by asking our prospective clients to fill out forms and get in line for court. Our Atlanta bankruptcy lawyer talk to our clients in person, with our initial consultation and introduction as a starting point to the process. There is no need to bring your personal and financial documents with you at first. We simply want to understand your specific situation, and help calm the chaos that is your current financial state.

We are often asked what type of cases we handle, and as bankruptcy attorney, we could certainly generalize that we take “all kinds.” The truth is, we focus on individuals and small businesses who feel like they have nowhere else to turn. The feeling of financial ruin is enough to hinder any positive growth in a person’s life or business. We want to help them understand that it is not the end of the world, and financial viability is possible again.
Whether you are an individual with $20,000 in credit card debt, or a small business on the verge of financial ruin, our Atlanta bankruptcy lawyer can help stop the harassing phone calls and notices from your creditors while devising a plan to discharge your debt and get you back on track. Our Atlanta bankruptcy law firm also represents larger businesses by helping them rewrite existing mortgages, and re-amortize them over a longer period to lower the payments.

No matter what your circumstances are, it is important to understand that our Atlanta bankruptcy attorney can help you without judgement, but with solutions.

Our Atlanta bankruptcy attorney, Serge Jerome Jr., is barred by the Georgia State Bar. Our law office’s collective experience allows us to take the stress of a bankruptcy proceeding and place it squarely on our able shoulders, allowing our clients to begin breathing calmly again.

We can help our clients decide if bankruptcy is right for them, simply by having an initial conversation. A lot of times bankruptcy is not the question – as most people get the point of no return before even contacting an attorney – but which chapter of bankruptcy will make them whole again.

Through a series of questions and answers, we can determine the next steps for our individual client’s needs. As partners in the process, we make the decision together as to which Chapter is best.

Some of the criteria for deciding whether Chapter 7, Chapter 11 or Chapter 13 is right for the client includes the amount of debt, how much the client makes and what type of assets they have. Also, do they run a business? Have they filed before? Those are just some of the criteria that will help our Atlanta bankruptcy lawyer determine whether, or what type of, bankruptcy is best for them.

Our legal team has been practicing bankruptcy law for years together. This unique legal dynamic allows us to work as a complete team when determining which bankruptcy options work best for our clients. Our Atlanta bankruptcy attorney take the time to establish a real relationship with our clients, because we know how frightened and nervous they are about the process and about their future.

We are financial and legal counselors that deliver solutions, and allow our clients to become a positive economic impact within their community again. If you are tired of keeping your head above the financial waters, call our Atlanta bankruptcy lawyer at (404) 720-8141 to discover how we can help.