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Chapter 7 vs. Chapter 13 Bankruptcy

Douglas & Cobb County Bankruptcy Lawyer

Any bankruptcy firm can file a case for you. You will not necessarily, however, be treated as an individual with a specific situation and goals, but as part of the bankruptcy mill process. If you desire personalized service, tailored to your financial problems and needs, please talk to a seasoned Douglas County bankruptcy attorney from The Faucette Law Firm, LLC.

While we operate with the idea that any financial problem can be solved, no one solution is correct for all situations. In the case of bankruptcy, there are many elements to be considered and legal factors to be weighed to arrive at the best method of debt relief for you. In our firm, each case is reviewed on its individual merits before deciding whether Chapter 7 or 13 bankruptcy is the best tool to resolve your debts and give you a new financial start.

Chapter 7 allows an individual to use existing assets to pay off all or a portion of their debts. Chapter 13 , also known as a wage earners plan, permits those who are making a regular income to repay their debts over a specified period of time. Neither form of bankruptcy is inherently better than the other; therefore we offer a free consultation to help decide which type of bankruptcy will provide the most favorable resolution to your financial difficulties.

Debt Solutions

In Chapter 7, all of your non-exempt assets are sold with the proceeds being used to pay off bills you owe. If, after this process, you still owe debts, they will be discharged by the bankruptcy court.

Chapter 13 requires a plan in which you pay off your creditors in a 3-5 year period. The plan is put into effect once it has been negotiated with your creditors and approved by the court. Once the time period to pay your debts has expired, the court will discharge the remaining debt.

Both forms of bankruptcy have in common that once your petition is filed, creditor harassment, wage garnishment, repossessions, home foreclosure and any debt collection actions must cease. Our firm assists in the timely preparation and filing of each form of bankruptcy, once the best method for your case has been correctly determined. We serve clients in Douglas County, Douglasville, Fulton County and Cobb County.

To learn which form of bankruptcy will work best for you, contact a Douglas & Cobb County bankruptcy lawyer today.


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3330 Cumberland Blvd. SE, Suite 500, Atlanta, GA 30339 Phone: (770) 485-6620