Hinesville Bankruptcy Attorneys

Call for a Complimentary Case Review – (866) 580-3089

Are you cutting costs on necessary living expenses and still see your bills piling up? Do you fear the debt you have on your home, automobile, and credit cards will never be repaid? If you are seeking debt relief, contact the Hinesville bankruptcy lawyers from Balbo & Gregg, Attorneys at Law, PC. We know that even the best financial planners can get blindsided by bankruptcy sometimes – our law firm will passionately fight for the financial freedom that you deserve.

Why should you choose our Hinesville attorneys?

• 25+ years of collective legal experience
• Military background—discipline and dedication!
• Appreciative client testimonials
• Free initial case evaluations

Chapter 7 or 13?

Many who have not been through bankruptcy only view it as a blanket statement of debt relief. However, there are multiple forms of bankruptcy that can be used to eliminate or otherwise mitigate debt into something more manageable. For most Americans, there are two types of bankruptcy that should be considered. Filing for the incorrect form of bankruptcy can make your situation more difficult. As a result, hiring a qualified bankruptcy will help you find your best options.

The two main categories of bankruptcy include:

• Chapter 7: A total liquidation of all your debt at the cost of your nonexempt personal property. Chapter 7 may provide the most immediate debt relief but also requires an individual to pass a means test beforehand to see if they qualify.
• Chapter 13: Reduces the total sum of your debt and creates a staggered payment plan over the course of three to five years. This type of bankruptcy may not cost the debtor any personal property if they are willing to pay some or most of their debt to creditors.

Bankruptcy Benefits for You

Bankruptcy is often depicted as a major and frightful life decision with nothing but negative consequences. While it is a critical process for your finances, it does not need to be intimidating and it is often positive for the debtor in many ways. Most notably, filing for bankruptcy creates an automatic stay on your debts and stops creditors from contacting you in any way about the money you owe them. For many people in a monetary crisis, an automatic stay affords them some time to breathe.

Our Bankruptcy Services in Georgia

When you retain our Hinesville bankruptcy lawyers, you will be recruiting a team of professionals who are dedicated with seeing you through your bankruptcy. We take pride in using our knowledge in a way that lifts the burden of debt from the shoulders of our clients.

We can help you during your bankruptcy filing by:

• Determining a fair debt payment schedule during Chapter 13.
• Giving support and guidance during your meeting of creditors, also known as the 341 hearing
• Handling all paperwork for you.
• Providing personalized and insightful legal advice from beginning to end.
• Shielding you from creditor harassment and reacting accordingly.

You should be aware that bankruptcy might not be for you. In some circumstances, filing for bankruptcy will damage your credit score and finances beyond what is worthwhile. There are always alternatives we can explore when bankruptcy does not work for our clients, including educational credit counseling and less-traditional means of debt settlement. Those who are in debt have options—call today to find out yours.

Contact us today to begin – a world of relief is waiting for you!