Dedicated Bankruptcy Attorneys Provide Debt Relief in Gainesville, GA
Reliable representation for Chapter 7 and Chapter 13 consumer bankruptcies
Although Gainesville, Georgia is the seat of Hall County, this town of 38,000 is better known as the Poultry Capital of the World. It takes thousands of hardworking people to make the poultry industry thrive. Unfortunately, too many of those industrious workers are struggling with overwhelming debt. If your plans to become debt free haven’t hatched, and you feel like you’re constantly walking on eggshells, Jeff Field & Associates in Gainesville can help. Our bankruptcy attorneys are friendly and attentive, and draw on more than 70 years of combined experience to assist you. We perform a thorough analysis of your debt situation and recommend the best strategy to become debt free. If bankruptcy is the best option, we help you with filings so you get the full benefit of legal protections for yourself and your family.
Debt relief options in Gainesville, GA
Folks in Gainesville are subject to severe weather at times. Nestled in the foothills of the Blue Ridge Mountains, the town sees supercell thunderstorms during the winter months and tornados in the spring and summer. But if you’ve ever dreamed about a twister coming through and blowing away your mountain of unpaid bills, maybe it’s time to see Jeff Field & Associates. Jeff Field is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell® for his professional ability and high ethical standards, and has also received the Gold Client Champion Award for 2017 for his highly personal and responsive service. The firm offers a free consultation for Gainesville residents considering bankruptcy.
Quickly discharge your debt with Chapter 7 bankruptcy
When you file for Chapter 7 bankruptcy, the court issues an immediate automatic stay that prevents creditors from contacting you to collect. So, no more harassing phone calls! Other benefits include:
- Discharge of eligible debt — You cannot discharge certain debts, such as student loans, secured loans, most back taxes, unpaid child support and alimony, and debt taken on too recently. Your dischargeable debt includes credit card balances, utility bills, unsecured personal loans, and medical bills.
- Keeping your exempt assets — Although Chapter 7 is called liquidation, it is very rare to be required to hand over assets for sale.
- Quick process — For most consumers, Chapter 7 bankruptcy is completed within a few short months.
But, not everyone qualifies for Chapter 7. If you earn far more than the statewide median income for a household of the same size, you probably won’t qualify.
Get relief by restructuring your debt with Chapter 13 bankruptcy
If you make too much money to qualify for Chapter 7, or you want to stop foreclosure on your home or repossession of your car, Chapter 13 bankruptcy might be the better option. You still get the immediate automatic stay, so your creditors must stop their collection efforts. But instead of a quick discharge of your eligible debt, you must participate in a court-approved payment plan. Your payment plan, which we help you prepare, is based on your monthly disposable income. You make one payment per month, which the bankruptcy trustee distributes to your creditors. Depending on your annual earnings, your plan can last from three to five years, after which the bankruptcy judge discharges your remaining eligible debt.
Contact a bankruptcy lawyer you can trust for debt relief in Gainesville, GA
If you need a fresh start without your crushing debt, let Jeff Field & Associates help. To schedule a free consultation, call us today at 404-381-1278 or contact us online. Our office is conveniently located in the heart of Gainesville, at 117 1/2 Bradford Street NW, just one block from the Hall County Courthouse.