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Debt Relief | Our Services in Savannah and Hinesville, GA
Attorney John Pytte offers residents of Savannah and Hinesville, as well as other nearby areas of Georgia over seventeen years of debt relief experience. He has the skills and knowledge required to protect your assets and discharge your debts.
With his firm’s two law offices in Savannah or Hinesville, Georgia, the Law Offices of John E. Pytte, PC brings his clients specialized legal services related to the various bankruptcy and debt relief proceedings, with a focus on:
- Chapter 7 bankruptcy
- Chapter 13 bankruptcy
- Debt relief
- Business and personal taxes
Following is a brief description of each of these areas and how our law firm can make them work for you.
Chapter 7 Bankruptcy
Chapter 7 is the most widely applied of the various legal processes intended to discharge the debts of applicants. This chapter can use the liquidation of all assets that are not exempted by its provisions. The funds raised by the liquidation are used to pay off outstanding debts.
Exemptions usually include the individual’s home, car, work tools, furniture etc. Most people who attempt to file under this provision have no non-exempt assets, consequently very few, if any actual liquidations occur.
The process is relatively quick. Normally debts are discharged in a matter of a few months - after which, all unsecured debts are forgiven, including:
credit card debt, medical bills, most personal loans, court judgments resulting from car accidents, deficiencies of balances due after repossessions of autos, some older tax debts, payday loans, and garnishments. Support payments, most student loans, and many tax debts are not dismissed.
To qualify for Chapter 7 Debt Relief in Savannah and Hinesville GA, applicants must pass the two step qualifying Bankruptcy Means test. Your attorney can help guide you through the steps and begin the process in a timely manner. Read More on Chapter 7 bankruptcy.
While 96% of those applying for Chapter 7 protection qualify, those who do not, usually fail because of higher incomes. They can file under Chapter 13.
There are no liquidation requirements included in this chapter. Instead, individuals are placed on an affordable monthly payment schedule which culminates in a fresh debt free start. This plan works for those who intend to repay their debts but need to reduce their payments. Read More on Chapter 13 bankruptcy.
If you are facing an imminent foreclosure, before the process moves forward, contact The John E. Pytte Law offices. Both Chapter 7 and 13 offer solutions to your problem. The law firm will advise you as to which best suits your situation.
Often those who have had a temporary financial setback and simply need time to catch up on their bills can use Chapter 13 because it allows them to catch up, without the constant threats and harassment of collectors. After 3-5 years, finances should be normal and the person can exit Chapter 13. Read More on Foreclosure.
Personal and Business Taxes
The John E. Pytte lawyers are experts in all phases of taxation, personal and business. Laws change frequently and it is important that they keep abreast of the latest regulations. Failure to do so can result in penalties fines and imprisonment. Count on this dedicated and focused law team to keep you and your business compliant in these matters. Read More on personal and business taxes.
Debt Relief in Savannah GA
With the knowledge and expertise acquired over the years, count on us for the best advice for all manners of debt management. We invite you to join the many Savannah area clients who depend on John E. Pytte, PC in their time of need. Read More on Debt Relief and Debt Forgiveness.
You are invited to schedule a free consultation, call our offices at 912-231-2313 for more details, or just swing by our office in Savannah or Hinesville, GA.