Discover if Chapter 7 is the reset button your finances need. Often described as a “clean slate,” Chapter 7 is a specific part of the bankruptcy code designed to legally eliminate the burden of your debt. Our job is to help you demonstrate to the court that, based on your current income and cost of living, the debt hanging over your head is simply impossible to pay back.
At our Knoxville office, the bankruptcy attorneys at Clark & Washington know exactly how much sleep you’re losing over financial instability. We understand the hesitation that comes with considering bankruptcy. That’s why our first priority isn’t just filing a case, it’s sitting down with you to make sure this is actually the smartest move for your long-term future.
We are by far the largest filer of bankruptcies in Georgia. This is how we offer to advance our clients the filing fee of $338.00, the mandatory credit counseling fees, your credit report from all 3 bureaus and obtain your tax returns. These fees will be blended into a payment program with your attorney fees.
There are only 3 simple qualifications,
1- You must have the desire to become debt free
2- You must have an established bank account. This is our method of receiving installment payments via auto debit.
3- The ability to re-pay. You must have income sufficient to make the monthly payments we both agree on.
There are only 3 simple qualifications,
1- You must have the desire to become debt free
2- You must have an established bank account. This is our method of receiving installment payments via auto debit.
3- The ability to re-pay. You must have income sufficient to make the monthly payments we both agree on.
At Clark & Washington, we don’t believe in “one-size-fits-all” pricing because no two financial situations are identical. We’ve been advocating for clients since 1983, and our experience has taught us one thing: any firm that gives you a quote before they’ve actually looked at your finances is doing you a disservice.
We take a transparent approach. Your fee is determined by the specific complexities of your life, such as:
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It is incredibly easy to fall into the credit card trap, and we’ve seen firsthand the massive sense of relief our clients feel when that weight is finally lifted.
When interest rates are sky-high, even modest spending can snowball into a crisis. We often meet people who are doing their best to pay their “big” bills, like a mortgage or car bill, but have to rely on credit cards just to put food on the table or clothes on their kids’ backs. Before you know it, the interest has turned those basic necessities into an insurmountable mountain of debt. Chapter 7 can stop that cycle in its tracks, legally discharging those balances and giving you the fresh start you’ve been working so hard for.
Under Georgia law, some property and income is exempt from being sold off in Chapter 7 bankruptcy proceedings. Those exceptions include:
The homestead exception can be critical to someone facing the prospect of foreclosure and eviction. There are also other exemptions under Chapter 7, but you should know that filing for bankruptcy has a long-term effect on your credit rating, for up to ten years. If you’d like more information on whether filing for bankruptcy is right for you, speak with one of our knowledgeable Atlanta, Georgia bankruptcy lawyers today.
Anyone who tries to file for Chapter 7 alone risks omitting critical property exemptions or having their petition rejected altogether. You can avoid this by having an experienced bankruptcy lawyer guide you through the process. Clark & Washington, Attorneys at Law offers 12 metro Atlanta locations. Call us at 770-488-9300 or Schedule Online for your free initial consultation.
Still wondering if bankruptcy is the right path for you? You don’t have to figure this out on your own. Our Knoxville bankruptcy lawyers are here to provide straightforward answers and the personal support you need to make a confident decision. Reach out today to get started. Your first meeting is always free, and your privacy is our absolute priority as everything we discuss stays strictly between us.
We’re always here when you need us, day or night.
Trusted legal guidance from Tennessee's leading bankruptcy firm.
