Cobb County Chapter 7 Bankruptcy Attorney
Seeking Debt Relief in Georgia?
Dealing with debt and filing for bankruptcy can be overwhelming. If you
are searching for a solution that will allow you to move forward and recover
from your debt, do not hesitate to contact The Purcell Law Firm, P.C.
We recognize that you are probably going through a stressful time in your
life, but this does not mean you have to lose hope.
There are methods, such as Chapter 7 bankruptcy, meant to give you a chance
at a fresh start.
We want to help you get your second chance.
Why put your trust in our firm?
When you are considering filing for bankruptcy, it is important that you
seek guidance from someone who is well-versed and experienced in the field. Our
Cobb County bankruptcy attorney has been handling bankruptcy cases for years, during which he gained an
extensive understanding of what it takes to help his clients obtain a
Some of the practices we implement to put clients first include:
We keep our caseload small so that every client will receive the upmost level of individualized attention
We don't just handle the paperwork—
we prepare our clients for life after bankruptcy because we truly care about seeing them move on to a better and brighter future.
We help our clients plan how to repair their credit so they can
immediately begin rebuilding their credit score after filing.
Clients always work directly with our lawyer rather than having their case handed off to an assistant or paralegal.
We believe that our clients always come first, and we demonstrate this
by maintaining high standards of client-focused care and professionalism.
What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy is often referred to as liquidation bankruptcy because
a trustee must collect all non-exempt assets (properties deemed non-essential
to living) and then sell them to repay all or a majority of the debts.
Many people who file for Chapter 7 bankruptcy have high amounts of credit
card debt, various other unsecured bills, and few assets to their name.
The State of Georgia requires that you participate in credit counseling
prior to filing for Chapter 7 bankruptcy. You must prove that you received
credit counseling from an agency approved by the U.S. Trustee in Georgia
within 6 months before you file. You must also complete the bankruptcy
petition, multiple other mandatory forms, and file said forms in the appropriate
Georgia bankruptcy court. In addition, a means test is required.
Qualifying for Chapter 7 Bankruptcy - The Means Tests
A means test compares your income to the median household income of your
size in Georgia. If your income is less than the median, you will qualify
for Chapter 7 bankruptcy. If your income is over the median income amount,
you may still be able to file—but you must provide detailed information
regarding your expenses and payments relating to secured debts. Depending
on the types of debt that you owe and the results of your means test,
Chapter 13 bankruptcy may be more beneficial for you.
Advantages of Chapter 7 Bankruptcy
If you are unsure about filing for a Chapter 7 bankruptcy, there are a
number of benefits to take into consideration:
Efficiency: A typical case can be opened and closed within three to six months.
Keep your property: Although it is possible to lose property, most filers do not. In most
circumstances, you will be able to keep your home and your car.
No need to repay your debt: There is no requirement to repay any of the debts you owe.
While Chapter 7 bankruptcy is beneficial and the filer emerges from the
process debt-free, there are certain types of debt that cannot be discharged.
These include mortgages, car payments, student loans, recent taxes, and
unpaid child support.
We Can Help You File Today
Over the years, our team has helped hundreds of people throughout Cherokee
and Cobb County file for Chapter 7 bankruptcy. You do not have to work
through this process on your own! See how you may benefit from retaining
our services by giving our firm a call.
Our team can help determine if you qualify for Chapter 7 bankruptcy, and
assist you throughout the entire process.
for a free evaluation or
submit an online form