Trustworthy Attorneys for Consumer Bankruptcy Serving Bogart and the Athens Area

Personalized service for Chapter 7 and Chapter 13 filings

Located just outside the Classic City of Athens, Bogart is divided between Oconee and Clarke counties. Though small, Bogart is known as city with impressive homes and natural beauty, as well as easy access to top-flight cultural and recreational attractions. However, even the finest community offers little comfort if you’re mired in debt you can’t possibly repay. That’s when it’s time to call the attorneys at Jeff Field & Associates for a free bankruptcy consultation. Our law firm is dedicated to helping residents of Bogart, Athens, Watkinsville and other Georgia locations shed crushing debt. If you’re worried about home foreclosure or repossession of your car, we are ready to help. We provide personal and responsive legal services at our Bogart office, and stay by your side throughout the legal process.

Considering bankruptcy in Bogart, Athens or Watkinsville?

Whether you’re here because of the proximity to the University of Georgia, work with companies such as Docebo, Roundsphere, or Cogent Education, or some other reason, Oconee and Clarke County have a lot to offer. At Jeff Field & Associates, our bankruptcy attorneys have more than 70 years of combined experience, and we are dedicated to relieving the financial burden of fellow community members. Jeff Field is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell® for his high ethical standards and professional ability, and has received the Gold Client Champion Award in recognition of his highly personal and responsive service. When you come to us for advice, we perform a thorough evaluation of your financial situation and give you sound advice on whether Chapter 7 bankruptcy or Chapter 13 bankruptcy is the right choice for you.

Chapter 7 liquidation bankruptcy in Bogart

Chapter 7 is known as clean slate bankruptcy, because the court quickly discharges all eligible debt. As soon as you file, the court issues an automatic stay, prohibiting creditors from contacting you about your debts. Although the title to Chapter 7 is liquidation, selling some of your assets to partially repay your debts is very rare because the law allows you exemptions for clothing, home furnishings, jewelry, a vehicle, and other items, so most everyone is able to keep their possessions. Chapter 7 is not for everyone. You probably will not qualify if you earn far more than the state median income and you might be better off filing Chapter 13 if most of your debt is secured. But, when appropriate, Chapter 7 is a quick and effective way to eliminate eligible debt such as credit card balances, medical bills, and utility bills.

Chapter 13 debt restructuring in Bogart

Chapter 13 is generally appropriate for folks who earn far more than the state’s median income for a household their size and who have secured debt such as a home mortgage. Chapter 13 does not provide a quick discharge; the court requires a payment plan, which we help you create, based on your monthly disposable income. Under the plan, you make one monthly payment, usually less than what you are currently paying. The money goes to a bankruptcy trustee who distributes funds to your creditors. You must continue with your plan for three to five years, after which, the bankruptcy judge discharges your remaining eligible debt. Chapter 13 is a slower road to debt relief, but if you want to stop a home foreclosure or repossession of a car, it is usually the best strategy.

Contact a trustworthy bankruptcy attorney in Bogart for efficient debt relief

If you are being crushed by debt, let Jeff Field & Associates help put you back on solid financial ground. To schedule a free consultation, call us today at 404-381-1278 or contact us online. Our Bogart office is located at 3001 Monroe Highway, just off U.S. Route 29.