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Filing bankruptcy should be thought of as a last resort. At Ladin & Associates, we will counsel you about all of your options before having to file for Bankruptcy, such as negotiating with credit card companies and loan modifications.
In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts.
The Bankruptcy Trustee will review the values of your Personal and Real Property to determine whether they fall within one of the Legal Exemption Categories and valuations. For example, under Georgia Law a single Debtor filing Bankruptcy may have a car worth $3,500 and that car would be exempt from being liquidated during the Bankruptcy.
There are a number of myths about bankruptcy, and we have identified several of these on this page. Please take a look at this list and then contact an Attorney at Ladin & Associates who can guide you through the process and help you protect your family.