Experience Debt Relief With the
#1 Bankruptcy Law Firm in Valdosta
With over 30 years of combined experience, our attorneys have counseled individuals and businesses in matters related to bankruptcy, from the discharge of debts under Chapter 7 to the reorganization of debt under Chapter 11 or Chapter 13.
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It can be difficult to ask for assistance when you are in a state of crippling debt. If you decide to hire a bankruptcy lawyer in Valdosta GA to improve your financial situation, you need someone who will make it better and not worse. Bruner Wright is a debt relief agency that can help you improve your financial position so that you feel more in control of both your finances and your life.
30 Years of Bankruptcy Experience
Debt can sometimes be overwhelming and lead you to declare bankruptcy. It can be frightening and overwhelming when this happens. You have so many things to deal with; you want to be heard and get your finances in order! We believe that you deserve compassionate treatment and guidance toward the most effective debt relief options for you. With over 30 years of experience in bankruptcy law, we can help you find a way forward.
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Feel in Control of Your Life Again
Feel in control again and gain newfound confidence about your financial situation.
Find Relief From the Burden of Debt
Our debt relief agency was founded to help people find relief from debt.
We aim to eliminate the fear that many people associate with attorneys, especially when it comes to bankruptcy. Our mission is to make the experience of consulting with a professional more comfortable. Instead of a stuffy and hectic office where no one is willing to assist you because they are too busy or consider themselves important, you can expect to find a welcoming environment with friendly individuals who genuinely want to help improve your financial situation.
Your Bankruptcy Lawyer Should Be Able to Guide You Through the Process
Bankruptcy filing is not a simple process. Regardless of the reason why you are filing, it is one of the main steps you can take to fix your financial problems. One of the most critical decisions facing people who are facing bankruptcy is choosing a bankruptcy lawyer. A good lawyer will help you protect your rights and maximize your assets’ value in your claim. A bad bankruptcy lawyer can cost you time, money, and peace of mind. A good bankruptcy lawyer will provide you with the best possible chance of coming out of your bankruptcy case with your financial life in order.
Bankruptcy is not easy, but it can set you back on the right financial track if done right. You need a professional who understands the law and knows the process to guide you through it. You may think that there are many lawyers out there, but we take pride in our ability to provide the best possible legal counsel and representation.
Bruner Wright bankruptcy lawyer Valdosta is a debt relief agency dedicated to helping people file for bankruptcy and bankruptcy-related cases. We understand the importance of filing for bankruptcy and know that it can be life-changing if done correctly.
Our staff has received specialized training in all areas of law and specialized training in financial management, debt consolidation, and credit counseling, so we can guide you through the process.
How Can Bruner Wright Help Me In My Legal Proceedings In Valdosta, GA?
Find out why people in Valdosta choose Bruner Wright to be their bankruptcy lawyer. We are proud to serve you and will be there every step of the way in your legal proceedings. Bruner Wright has helped thousands of people file for bankruptcy in Valdosta with minimal fees with the help of our brilliant lawyers.
Our bankruptcy lawyer in Valdosta GA is an expert in debt management techniques. Our experts have years of experience helping people face economic difficulties so they can create a financial climate.
If you want to be satisfied when it comes time for filing your bankruptcy case in Valdosta, GA, you need to call Bruner Wright. We will guide you through the process and keep you informed about all of your progress during your case.
I’ve Seen and Heard Commercials Stating That Filing for Bankruptcy Is Difficult And Time Consuming, Is This True?
No, it doesn’t. The amount of time you need depends entirely on how important it is to you. The majority of your time will be spent providing us with the requested information. Once you have provided us with this information, it usually takes between 3 and 5 business days for us to prepare the paperwork.
What Information Will I Be Required to Provide to File for Protection Under Chapter 7 or Chapter 13?
We will strive to make the process as simple as possible for you. You will be asked to complete a questionnaire that requests information about your household income, expenses, assets, vehicles, properties, and creditors. Additionally, you will need to submit pay stubs or any other statements of pay for the six months before the filing date (including the current month), as well as tax returns from the last two years and property tax assessments for homes or properties in your name.
Is It Considered Immoral or Sinful to File Bankruptcy?
Not at all. Bankruptcy is mentioned in the Bible. God provided specific instructions in Leviticus Chapter 25 during the Jubilee period on how to respond to people who needed financial help. In Deuteronomy 15:1-2, God instructed creditors to forgive debts to those who borrowed money. There were no exclusions or trivial reasons given. The debt was expected to be forgiven without any questions.
Why Shouldn’t I Choose to Use a Private Debt Consolidation Service Rather Than File for Chapter 7 or Chapter 13 Protection?
It’s easy to answer that question, legal care. Private debt consolidation services cannot prevent creditors from claiming your assets, mortgage companies from foreclosing, or loan providers from repossessing vehicles. However, the Bankruptcy Court has the power to halt these actions and compel creditors to accept reduced payments. Consolidation services are unable to discharge debtors from unpaid debt.
Why Should I Consider Chapter 13 Instead of Chapter 7?
When a client is unable to pay their monthly debts but wishes to retain their assets, Chapter 13 may be the best option. Under this chapter, the debt is reorganized into a single monthly payment made by the client, which is then distributed to secured creditors.
Unlike Chapter 7, where surrendering the property or assets is typically required, Chapter 13 allows you to retain your property and assets. It restructures your debt so that it can be paid off within a more reasonable timeframe. If you are behind on car or mortgage payments, have co-debtors who owe personal loans, or feel a strong moral obligation to repay your debts, you may want to consider Chapter 13 protection. Chapter 13 filings are not uncommon, and unsecured creditors receive no payment.
When Should I Consider Chapter 7 Instead of Chapter 13?
Chapter 7 bankruptcy, also known as liquidation bankruptcy, involves converting assets into money. This type of bankruptcy is most suitable for individuals with low to no household income, minimal non-exempt assets, and various unsecured debts. Certain debts such as student loans, child maintenance, and alimony are not dischargeable, meaning they must be repaid.
Does Filing for Chapter 7 or Chapter 13 Hurt My Credit Rating?
Many people believe that their credit rating is either good or bad, but this is simply not true. Credit scores are determined by multiple factors. By the time individuals consider filing for bankruptcy, the damage to their credit has often already been done.
However, through filing for Chapter 7 or 13, clients have the opportunity to “start over.” While the bankruptcy will appear on your credit history, it typically remains there for 7 or 10 years, depending on whether you filed under Chapter 13 or Chapter 7. Your credit report will also indicate the date you filed and when you were discharged, allowing future creditors to understand that your past credit history is no longer a significant factor.
Can Filing Chapter 7 or 13 Stop Garnishments or Creditor Lawsuits Against Me?
When you file for Chapter 7 or Chapter 13 bankruptcy, an automatic stay is triggered, which provides immediate relief and stops most collection activities against you. This includes garnishments and creditor lawsuits.
The Vehicle Finance Company Is Threatening Repossession, Can This Be Stopped?
Absolutely. Once you have filed for Chapter 13 “wage earners reorganization,” your vehicle will be protected and no longer at risk of repossession. If your vehicle was repossessed before filing for Chapter 13, there may be a possibility of reclaiming it, subject to time restrictions.
Can a Private or Government Employer Discriminate Against or Discipline People Who File for Bankruptcy?
Private or government employers are prohibited from discriminating against an employee solely based on their filing for bankruptcy. It is not permissible for a civilian or government employer to penalize or adversely impact an employee who has sought Chapter 7 or 13 protection.
How Can I Get a Copy of My Credit Report?
Under Georgia law, you are entitled to receive one free credit report per year. You can obtain a copy of your credit report from one of the three major reporting agencies (Experian, Equifax, or TransUnion).
I Received Notice From the Mortgage Company That My House Is up for Foreclosure, Can This Be Stopped?
You must act quickly. To stop the foreclosure, you will need to send us the necessary information. As well as schedule an appointment to sign the paperwork. You must complete this before the scheduled date of your home foreclosure sale.
Once I Have Completed My Case, How Can I Rebuild My Credit?
Rebuilding your credit score after bankruptcy is not a difficult task, but it may take time. There are several steps you can take to rebuild your credit to a respectable level. After bankruptcy, it is important to check your credit report and dispute any inaccurate information. If you need a dispute form, we can provide one for you.
Additionally, make it a habit to pay your bills in advance, even a few days early. This demonstrates your commitment to a fresh financial start. To rebuild your credit score, consider applying for a secured card from an institution that reports to credit bureaus. The credit limit on a secured card depends on the amount you deposit into the account. Obtaining “revolving” credit is crucial for credit score improvement.
Another strategy is to pay the full balance of your regular (unsecured) credit cards each month, which reflects your responsible spending habits. Lastly, consider obtaining installment loans such as auto, student, or home loans and ensure timely repayment, as this significantly boosts credit scores.
Do I Have to File Bankruptcy on All the Creditors That I Owe?
You must provide the names of all creditors to whom you owe money. However, you may request to keep certain debts if you reaffirm them.
Will My Spouse Be Responsible for Our Debt if I’m the Only One That Files?
It is indeed possible. If co-debtors are listed and share responsibility for any outstanding balance, they could be held accountable and pressured to repay the debt. However, in Chapter 13 bankruptcy, the debt is repaid following the contract rate, which protects the co-debtor.
Will I Lose My Personal Retirement Accounts or Payments From Social Security?
Your retirement account will be protected if it qualifies under ERISA. Social Security benefits are protected from garnishment by the Social Security Administration.
If I Forget to Add One of My Creditors to My Bankruptcy, Can I Add It After My Case Has Been Filed?
Yes, you can. You simply need to come in and submit an amendment. You will be required to provide information about your creditors and pay a small fee. The fee is paid directly to the bankruptcy court as administrative fees. We do not charge any additional fees.
Are There Any Limits on the Number of Times, or the Time Period Between Filing for Chapter 7 And/or Chapter 13?
The following is the time between bankruptcy (measured from the date of the last filing):
- 8 years between Chapter 7 cases
- 4 years between Chapter 7 and Chapter 13 cases
- 2 years between Chapter 13 cases