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What Our Bankruptcy Attorneys in Duluth GA Can Do For You
Our Bankruptcy Attorneys Can Help You Breathe Easily Again
If you are unable to work because you have lost your job or are medically unable to work; if you have had a business setback or if you just don’t have the money to pay the bills again this month, we can help with your bankruptcy filing. The quicker you make the phone call to Ernst & Partners, bankruptcy lawyers in Duluth, the sooner life can get back to normal.
Stop Foreclosure; Save Your Home
Your bank and/or mortgage lender will not be able to file foreclosure on your home once you have filed for bankruptcy. If our bankruptcy lawyers in Duluth help you file under Chapter 13 bankruptcy, debt can be reorganized as a new repayment plan, which may lower the monthly payments for your mortgage and you will be able to keep your home.
Stop Vehicle Repossession
Get Your Car Back; Lower Your Payment. — The minute you file for Chapter 7 or Chapter 13 bankruptcy, automatic stay protection goes into effect, preventing your car lender from repossessing your vehicle. If you act quickly, your Duluth bankruptcy lawyer can even get your repossessed car or truck back — perhaps with a lower monthly payment. If you car loan lender tries to repossess, or does repossess, your car in violation of the automatic stay, contact a bankruptcy attorney immediately.
Stop Wage Garnishment
Wage garnishment occurs when your employer is required to withhold money from your paycheck for the payment of a debt in accordance with a court order. If more than one creditor gets a garnishment order, you could lose your job.
If a creditor is garnishing your wages, you may be able to stop the garnishment and even get some of your garnished wages back by filing bankruptcy. A quick phone call to our office in Duluth and a bankruptcy lawyer can save you from this embarrassing situation.
Many of our bankruptcy clients are understandably concerned about confidentiality. Rest assured your case will be handled privately and sensitively.
Stop Credit Card Debt. Repair Your Credit
If you file for Chapter 7 bankruptcy, you can usually wipe out your credit card debt. Our bankruptcy lawyers can help you determine if the bankruptcy trustee will pay some of your credit card debt if your bankruptcy estate has enough money. In most cases, your obligation to pay the balance will be discharged upon successful completion of the case. However, there are a few exceptions and you should ask our Duluth bankruptcy lawyers what to do before you file bankruptcy.
Surprisingly, filing for bankruptcy can affect your debt-to-income ratio which can help you repair your credit.
Stop Creditor Harassment
When you file Chapter 7 or Chapter 13 bankruptcy, you are immediately granted what is known as an “automatic stay”. This means creditors and/or collectors are not able to directly contact you and must go through the bankruptcy court for debt collection. As soon as you file, the calls will stop!
Keep Your Possessions.
Are you worried that you will lose everything you own? That the bankruptcy trustee will sell all of your possessions? That doesn’t happen. In fact, a properly executed bankruptcy case helps you keep your house, your car, your 401K and more.
Why Choose Ernst & Partners as your Bankruptcy Lawyers?
The bankruptcy lawyers at Ernst & Partners in Duluth may be able to give you the first good night’s sleep you have had in a while. To learn how bankruptcy filing could help you, contact our office TODAY. For a FREE, no obligation consultation: