Lithonia is known as the “City of Stone” because it is the heart of the granite quarrying industry in Georgia and like nearby Stone Mountain, it has endured the tests of time. But, unfortunately, with unemployment high and the economy on a downturn, many residents can’t say the same about their finances.
At C. Golden & Fleming we are proud to be a part of this historic, hard working community and our bankruptcy attorneys work just as hard to help people who are experiencing a serious financial crisis.
Is a personal filing something you can do without hiring a bankruptcy attorney?
It might be possible but without professional help, you will most likely fail. After 2005, the bankruptcy laws have become much stricter and more complicated so unless you are familiar with all the nuances, you will most likely make mistakes.
Don’t try to file for bankruptcy on your own. Most professional bankruptcy attorneys offer free consultations and you can usually get the bankruptcy process started for as little as 75$. If you need more information, call C. Golden & Fleming of Lithonia to discuss the details of your case free of charge.
How are Chapter 7 and Chapter 13 different?
To get a complete answer to this question you will need to consult with a bankruptcy attorney because everyone’s situation is a little different. But, to put it in general terms:
- A Chapter 13 filing is sometimes called a “reorganization” bankruptcy because it lets you set up a payment plan that will allow you to pay all of your debts over a specified length of time, usually 3-5 years.
- A Chapter 7 filing is called a “fresh start” or “clean slate” bankruptcy because it completely erases debts. It is the most common form of personal bankruptcy in Georgia.
Call our Lithonia bankruptcy attorney at C. Golden & Fleming today to learn more about how a personal bankruptcy filing could help you get the financial relief you need.