A Chapter 7 bankruptcy is also known as a fresh start bankruptcy. It allows a person to file all of his/her debts which may be discharged.

In many, if not most, instances, a person can keep his/her home and car while filing a Chapter 7, provided he/she can make the payments on them. This is often much easier after other debts are wiped away, but does become more complicated when there is a great deal of equity in the home. That is why only a personal consultation that goes over the facts of your particular case can give you the information you need to make intelligent decisions.

It may also be possible to keep and pay for other personal items while filing a Chapter 7 Bankruptcy.

Georgia provides by law for what are called exemptions. These are amounts of certain real and personal property which a person may exempt from claims by creditors when filing bankruptcy. This means that there are a certain amount of things that you own which creditors can not take from you, even if you file a complete bankruptcy. Georgia is not as liberal as some states in this area, but the exemptions Georgia does allow are enough for many filers.

An attorney makes more money from a Chapter 13 case which goes through, in general, but we feel that it is more important for the client to get the relief he/he was seeking.