- Put a stop to harassing phone calls!
- It is a violation of federal law for collection calls to continue after filing.
How We Stand Out
- Easy process with minimum documentation requirements
- Credit restoration begins immediately
- Stress-free process with our friendly staff
Having filed over 10,000 individual cases over the past twenty years, we have the experience to answer any question you could have about what will happen if you file a Chapter 7 or a Chapter 13 bankruptcy in Effingham County GA. We are dedicated professionals who will put your interests and objectives above all else. You will find that we will talk with you like an equal and treat you like a friend.
Chapter 7 bankruptcy in Savannah and Hinesville is for someone who in good faith is simply unable to pay his debt. Under chapter seven, almost any debt will be forgiven and you can get a discharge of your debt for a fresh start with a clean slate.
Under Chapter 7, if you are current with payments on your car, house or other secured debt, you can continue to pay or reaffirm those loans and keep your home and vehicle or other collateral. You can pick and choose which contracts you want to reaffirm and which ones you want discharged. In other words, you could keep one car, and let another one go: or keep two cars and let your jewelry go: It's your decision if you are current with your payments.
If you are past due with your payments but need to keep possession of your home or car or other property, then Chapter 7 would not be the right choice for you. Creditors will rarely reaffirm debt that is past due; however, under Chapter 13 you can keep your car, home, or possessions even if the payments are past due and they are in repossession or foreclosure status.
While it is true that in Chapter 7 bankruptcy in Effingham County GA, a trustee can sell property: it is not true that you automatically lose your property in a Chapter 7 case. A trustee will only sell property that has excessive value, more than the law allows.
For example, the legal limit on equity in a home is $21,500 for an individual or $43,000 for a couple. That said, there are occasions where a trustee would not want to sell a home even when the value exceeds these amounts. There are exceptions to every rule and an experienced lawyer will know if you have too much equity in your home or in other property for it to be safe to file a case under Chapter 7. Chapter 7 bankruptcy in Effingham County GA is a good way to get a fresh start and turn your focus and resources to the important things in your life.
Is Bankruptcy Right for You?
Fill out a free online bankruptcy case evaluation form or call John Pytte, PC at (912) 369-3569 in Hinesville or (912) 231-2313 in Savannah. We'll help you schedule a free consultation with a local Chapter 7 bankruptcy attorney who may assess your financial situation, discuss your legal rights and further explain why Chapter 7 bankruptcy may be the right option if you:
- Have no income or low income
- Have little or no money left after paying your necessary living expenses each month
- Rent or have little equity in your home
- Have few assets (or no assets) outside your furniture, clothing and other necessities.
Before Filing your Chapter 7 Bankruptcy Case, You Must Receive a Briefing from a Credit Counseling Agency.
The law requires that you receive a credit counseling briefing from a certified credit counseling agency before you may file a petition for Chapter 7 bankruptcy in Savannah, Hinesville, or Effingham County GA. The agency will explain financial management and how to do a budget analysis, and will also discuss alternatives to bankruptcy. While there are some hardship exceptions to this rule, most debtors will have to get this briefing, and failing to do so before filing may result in your case being DISMISSED. Your Chapter 7 bankruptcy attorney may refer you to the appropriate agency.