Frequently Asked Questions - Bankruptcy Attorney John E. Pytte

If you're struggling with debt and considering bankruptcy in Savannah or Hinesville, GA, it's natural to have questions. Attorney John E. Pytte has over 25 years of experience helping individuals and families find financial relief through bankruptcy. Below are answers to common questions our clients ask.

1. What types of bankruptcy do you handle?
We handle Chapter 7 bankruptcy (liquidation) and Chapter 13 bankruptcy (reorganization), as well as bankruptcy discharges and personal tax debt relief. Attorney Pytte will review your situation and help determine the best option for your needs.


2. How do I know if bankruptcy is right for me?
Bankruptcy may be right for you if you're overwhelmed by debt, facing foreclosure, or unable to keep up with minimum payments. It can provide a fresh financial start by eliminating or restructuring your debt. Attorney Pytte offers consultations to help you understand your options before making a decision.


3. What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy allows you to eliminate most unsecured debts, such as credit cards and medical bills, often in just a few months. It's designed for people with limited income who cannot repay their debts.


4. What is Chapter 13 bankruptcy?
Chapter 13 bankruptcy creates a repayment plan over 3-5 years, allowing you to keep your property while catching up on past-due amounts. It's a good option if you have a steady income and want to avoid foreclosure or repossession.


5. Can bankruptcy stop creditor harassment?
Yes. Filing for bankruptcy triggers an automatic stay, which immediately stops creditors from calling, sending letters, or taking legal action against you.


6. Will bankruptcy clear my tax debt?
Some personal tax debts can be discharged through bankruptcy if certain conditions are met. Attorney Pytte will review your tax situation to see if you qualify.


7. How long does bankruptcy take?
A Chapter 7 case typically takes 4-6 months, while Chapter 13 cases last 3-5 years, depending on the repayment plan. Attorney Pytte works to ensure your case moves forward as smoothly as possible.


8. How much experience does Attorney John E. Pytte have?
Attorney Pytte has over 25 years of bankruptcy law experience and is known for his compassionate approach, clear guidance, and commitment to helping clients achieve financial stability.


9. Where are your offices located?
We have two convenient locations:
Savannah Office: 617 Stephenson Ave Ste 102, Savannah, GA 31405 - (912) 231-2313
Hinesville Office: 102 West St, Hinesville, GA 31313 - (912) 369-3569


10. How do I get started?
Call our Savannah or Hinesville office to schedule a consultation. Attorney Pytte will review your finances, explain your options, and help you take the first step toward a fresh start.