Experience Debt Relief With the
#1 Bankruptcy Law Firm in Augusta
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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Do you feel overwhelmed by consumer debt? Have you been sued by your creditor? If so, it’s important to seek the advice of experienced bankruptcy lawyers in Augusta GA.
At Bruner Wright, P.A., our team of Chapter 7 and 13 bankruptcy attorneys can help alleviate the stress of collection agents constantly calling you. Our dedicated attorneys will carefully analyze your financial situation and recommend the best course of action for you.
Don’t hesitate to reach out to our firm today to schedule a consultation and learn more about the benefits of bankruptcy.
- Chapter 7 Bankruptcy (Liquidation)
- Chapter 13 Bankruptcy (Reorganization)
Bruner Wright, P.A. is here to guide you through the complexities of bankruptcy laws, explaining the distinctions between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy, and illustrating the benefits of each.
Financial turmoil doesn’t always stem from irresponsibility, and there’s no need to feel ashamed. Overwhelming debts and the need for bankruptcy can arise from various circumstances, such as divorce or business ventures that didn’t succeed.
Don’t delay in taking action to file for bankruptcy. Contact us today to discover the advantages of Chapter 7 or Chapter 13 bankruptcy.
Chapter 13: Debt Relief Through Payment Plans
Despite your best efforts, you find yourself falling deeper into financial hardship. Debt collectors are harassing you, even resorting to threats of repossession or foreclosure of your home.
With Chapter 13 bankruptcy, you have the opportunity to repay your debts through manageable installments. At Bruner Wright, P.A., we have assisted numerous Georgians in overcoming financial struggles and protecting their homes. If you want to explore your debt relief options, don’t hesitate to contact us at 850.385.0342.
Chapter 13 Bankruptcy Could Be the Solution
The Chapter 13 plan, also known as a wage earner or repayment plan, is designed for individuals facing financial challenges who can pay off a portion of their debts, but not all.
Under Chapter 13, you will make monthly payments to a trustee for a period of either 36 or 60 months. The trustee will then distribute the funds to your creditors. The specific amount of your payment is determined based on your ability to pay. Any remaining debts that are not covered by your plan will be forgiven upon its completion.
Immediate Relief From Creditor Actions
Your creditors will be automatically stopped if you file for Chapter 13 relief.
- Creditor Harassment: Creditors or third-party debt collectors are prohibited from contacting or pursuing you for debts.
- Garnishment: Collection agencies are not permitted to seize your wages.
- Vehicle Repossession: You have the option to either retain or reclaim your car.
- Foreclosure of Your Home: If you can maintain regular house payments, any outstanding arrears will be incorporated into your monthly payment plan.
Chapter 13 vs. Chapter 7
Chapter 13 is typically suitable for debtors who fall into one of two categories:
- Those whose income exceeds the eligibility threshold for Chapter 7 bankruptcy, or
- Individuals who are behind on car or mortgage payments but wish to retain their assets. Unlike in Chapter 7, where the court may seize your property to satisfy creditors, Chapter 13 allows you to keep your assets.
We will assist you in determining the best option for your circumstances. When you apply for Chapter 13 relief, our role is to ensure the fairness of the payment plan. Moreover, we can leverage specific provisions offered by Chapter 13, such as discharging a second mortgage and refinancing an auto loan.
Bruner Wright Can Help You With Debt Relief
Bruner Wright provides professional legal services to individuals throughout the state of Georgia who need help with redoing their credit, recovering from serious financial difficulties, and rebuilding their lives. It is also valuable if you are starting a business or thinking about getting into one. We have garnered an outstanding reputation for meeting the needs of our clients. Our bankruptcy lawyers in Augusta GA have dealt with a diverse range of clients who face many different legal issues.
We have earned their trust, respect, and admiration because of the high level of service we provide. Our bankruptcy lawyers in Augusta GA will be able to assist you in your case. Bruner Wright will educate you and guide you in making the correct decisions during this difficult time of your life. We will do everything we can to help you overcome the obstacles and face the problems that lie ahead so that we can help you start an incredible new journey.
You will never regret hiring our services because we create a very welcoming environment for all our clients and do everything in our power to ensure that their needs are met.
Why Hire an Experienced Bankruptcy Attorney?
It is vital that you obtain the assistance of an experienced attorney. The advice offered by the attorneys at the law offices of Bruner Wright is one that may save you money, time, and embarrassment. Our bankruptcy lawyers in Augusta GA will obtain the best possible outcome for your situation and protect your financial and personal interests and safeguard your assets and property.
Bankruptcy is a legal procedure that can be important if you are in financial distress (and cannot manage your debts and expenses) and are unable to keep up with your creditors.
The process starts with filing a petition by an individual or company that is in financial distress. It might be filed by the debtor that wishes to create a Chapter 13 plan or by creditors who want to initiate their own bankruptcy case.
It is possible to file a petition on your own by using do-it-yourself software. Alternatively, you can hire a lawyer to represent you in a bankruptcy case. You may choose to consult a general practice attorney or one with experience in the field of bankruptcy law.
Our bankruptcy attorneys in Augusta GA have the expertise and can answer any questions you have regarding filing for bankruptcy. They handle cases involving debts that exceed the state’s statute of limitations.
Selecting the Right Attorney for Your Needs
We are expert bankruptcy lawyers in Augusta GA. We have accumulated a wealth of experience in this field over the past 40 years. Our credentials are impeccable. We have helped thousands of people file bankruptcy cases, often with improved results than they would have had if they filed independently.
Our bankruptcy lawyers in Augusta GA can advise you in choosing the best solution for your particular situation. They will be able to explain the pros and cons of filing for Chapter 7 or Chapter 13 bankruptcy. We will provide you with all relevant information about each option, sometimes with sample statements that illustrate how people file for bankruptcy.
Our attorneys at Bruner Wright believe that all cases are unique, which is why they handle each one individually. Our clients have the advantage of being represented by a highly skilled and knowledgeable bankruptcy lawyer. They will assist you in making the decision that best suits your needs, so you can rest assured knowing that everything is under control.
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We have an office in the greater Augusta area. We also offer services to individuals and corporations throughout the state of Georgia.
If you are looking for a bankruptcy lawyer in Augusta GA, you are in the right place. Bruner Wright is an experienced bankruptcy law firm that serves individuals and businesses throughout Georgia. We have helped thousands of people file for Chapter 13 bankruptcy or Chapter 7 bankruptcy.
Contact us today if you have any more questions about our services or would like more information on filing for bankruptcy.