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: 
http://www.ganb.uscourts.gov/geninfo/division/atlanta.html
Gainesville Division:
http://www.ganb.uscourts.gov/geninfo/division/gainesville.html
Newnan Division:
http://www.ganb.uscourts.gov/geninfo/division/newnan.html
Rome Division:
http://www.ganb.uscourts.gov/geninfo/division/rome.html

Middle District Courts
Athens Division
http://www.gamb.uscourts.gov/athens.htm
Macon Division
http://www.gamb.uscourts.gov/macon.htm

Learn the value of your home:
http://cyberhomes.com/

http://www.zillow.com

Automobile Valuation:
http://www.nadaguides.com/Cars/Research-Center
 

Credit Counseling:

Documents: 

Bankruptcy Basics.pdf

Bankruptcy Information Sheet.pdf

Client Questionnaire - 5-page - KAP, PC 2013.docx

Client Questionnaire - 5-page - KAP, PC 2012.pdf