Chapter 7 Bankruptcy–a “Fresh Start”

What Makes a Chapter 7 Bankruptcy Discharge So Powerful?

Filing Chapter 7 enables you to ‘reboot’ your finances starting from the day you file bankruptcy. When you file Chapter 7 bankruptcy you get immediate relief from creditors and collection efforts-this means you may stop paying minimum payments on credit cards. Filing Chapter 7 means that foreclosures, wage garnishments, and repossessions stop immediately.  Filing Chapter 7 means that creditors calls must stop immediately.  Filing Chapter 7 potentially means that creditors get nothing further from you money-wise.  The protective effect of filing means that you will regain control of your wallet again starting from the day you file, and you will decide whether to keep your house and/or vehicles after you file.

Chapter 7 cases take about 4 months to be discharged. As my client you will have my cell phone and direct email; that means you will have direct access to me when you have questions about your case.  You don’t go through a paralegal or support staff to get me, and I don’t turn my phone off on evenings and weekends–that means, I will be here for you.


For those who are eligible, filing Chapter 7 offers immediate relief from debts like medical bills, credit cards, car loan deficiencies, consumer finance contracts, etc. Many of my There are significant limitations on who is allowed to get a discharge in Chapter 7 either because of excess income or assets. There are also cases when my advice may be to delay filing or not file depending on the type of debt and where you are financially. You need advice before you decide to file Chapter 7.

Filing Chapter 7 can only be done debtors who are below median income according to the means test, or who have mostly business debt. I will help you determine if you are eligible to file Chapter 7 when we meet.

As part of my consultation, I will personally analyze your income, assets, and your debts to guide you through the Chapter 7 means test. When you hire me, you get my personal service and attention as well as my knowledge and experience helping hundreds of other Georgians get their Fresh Start by filing Chapter 7 bankruptcy.

The key to qualifying to file Chapter 7 bankruptcy is the means test.  The means test is the most important part of your petition, and you’ll be best served by a Chapter 7 bankruptcy attorney who has the experience necessary to guide you through the means test.  We will spend as much time as you need going over the information that goes into this analysis so understand it.

When you hire me to be your Chapter 7 bankruptcy attorney, I will be defending my calculations and deductions on the means test.  I will be protecting your assets using Georgia’s bankruptcy exemptions. Before we file (or even decide to file) we will discuss how your assets and liabilities will be impacted by the filing.

I may find debts that are not dischargeable in Chapter 7.  I may find reasons why you should consider filing Chapter 13.  It is important that you hire a bankruptcy attorney who will take the time to examine your debts and talk to you about what happens in Chapter 7 bankruptcy.

Chapter 7 is also known as ‘Debt Liquidation,’ but that doesn’t mean that your assets will necessarily be liquidated.  Debtors who file Chapter 7 bankruptcy are allowed to keep all exempt assets.  At then end of a Chapter 7 case all dischargeable debts are forgiven, all exempt assets remain the property of the debtors, and all non-exempts assets (if there are any) are liquidated to satisfy creditors.

If you file Chapter 7, you will not be able to file another Chapter 7 petition for eight years after discharge in Chapter 7.

Filing has a profound affect on your FICO score, and I will explain what this means when we meet.

You will always be able to speak to me directly.  I will always be with you in court (I do not hire appearance attorneys to meet my clients in court.)  I keep my bankruptcy practice small enough that I know each of my clients’ cases as well as they do.  The bankruptcy code is perilous–you deserve a bankruptcy attorney who will guide you down the right path.

Other Frequently Asked Questions:

How much does it cost to file Chapter 7 bankruptcy?

It depends. You will leave my office with an understanding of your case, and in most cases a fixed fee agreement.

Can I help you save your house from foreclosure?

Yes, with a properly filed Chapter 7 bankruptcy petition, you can slow down (and in some cases) stop foreclosure. This is a very fact specific situation. If you are facing foreclosure, DO NOT DELAY in calling me to discuss your situation. I will not help you commit fraud on the court, but I will help you do what is legally allowed to protect your family from foreclosure.

How do we start?

Call/text me or email me  to set up a meeting with me.   I will explain to you what I need you to gather before we meet, and we’ll set up a time for our consultation.

How long will It take to prepare and file the petition?

The basic skeleton of a bankruptcy petition can be prepared in a few hours, and I will do this for you if we decide that it is the only way to save your home from foreclosure.

In all other cases, it will take a day or so to prepare your petition from the time that I receive all of the documentation I ask you to provide. We move at your pace.

What happens once your Chapter 7 bankruptcy case is filed?

The instant your petition is filed, the automatic stay is in place protecting you from your creditors.  Violations of the automatic stay are taken very seriously and met with actual and sometimes punitive damages.  As long as the stay is in place:

  • Foreclosure proceedings will stop.
  • Suits that are pending will be put on hold.
  • Calls from creditors will stop.
  • Wage garnishment will cease.
  • Repossessions will not occur.

You will continue to pay your secured debts that you intend to keep (your mortgage, your car notes, student loan payments, and other non-dischargeable debts).

One month or so after filing, the Meeting of the Creditors will be held.  As your bankruptcy attorney, I will prepare you for court.  I will also be with you at the court appearance and anytime you are called upon to appear because of your bankruptcy case.

You and I will discuss signing reaffirmation agreements if you have car notes, or other property that is tied to a security interest.   If you intend to surrender property in your bankruptcy case, I will explain what to expect.