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4295 Buford Drive, Suite B1
Buford, GA 30518


Call us today at 678-541-6770 for a free consultation


We are conveniently located close to the Mall of Georgia on Buford Drive(GA Hwy 20).

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Bankruptcy, Chapter 7, Chapter 13

A Chapter 13 bankruptcy is a debt consolidation and repayment plan. Most of your debts are consolidated into a single payment made at regular intervals determined by the court, usually based on how often you are paid. While you are in a Chapter 13 plan, you are protected from creditors by the courts until your debts are paid. A Chapter 13 plan stops foreclosures, repossessions, creditor harassment, garnishments and lawsuits.
A Chapter 7 Bankruptcy Case is called the Fresh Start Chapter. In this type of bankruptcy case, most of your debt is wiped out and you are given a fresh, clean slate to start over. A Chapter 7 case will stop creditor harassment, lawsuits, garnishments and lawsuits.
After the 2005 Bankruptcy code change, every individual who files for bankruptcy relief using a Chapter 7 or 13 must obtain a certificate of credit counseling from an approved credit counseling source: Here are a few companies to choose from: You can do the credit counseling by Phone, on the Web or in Person.   

Directions to Court houses:
Northern District Courts:
Atlanta Division:
Gainesville Division:
Newnan Division:
Rome Division:

Middle District Courts
Athens Division
Macon Division

Learn the value of your home:

Automobile Valuation:

Credit Counseling:

The Bankruptcy laws require each individual who files for Bankruptcy to attend 2 credit counseling courses during the bankruptcy process; a pre-filing course and pre-discharge course. These courses can be taken via internet, phone or in-person. 

The website is a favorite of my clients - mainly because it's the cheapest course for my clients! It's actually free to take the course and costs $5.00 to obtain the Certificate whereas the other sites charge $25.00 or more.

Below are some documents that will help you learn more about Bankruptcy and the process. Feel free to call me at 678-541-6770 for a FREE CONSULTATION.