Woodstock, Georgia Bankruptcy Lawyers

David S. Ballard
PREMIUM

Free Consultation! Experienced Atlanta Banktruptcy Lawyer! Call Now!

I am an experienced bankruptcy lawyer dedicated to protecting the rights of those with bankruptcy law needs. Your problem is our opportunity to help you and provide you with caring, skillful and zealous representation. Read More »
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Jerry Arlen Daniels
PREMIUM

Georgia Bankruptcy Attorney with 40 years experience

Jerry A. Daniels is a Marine Corps veteran who served in Vietnam. He has practiced law since 1977 and has worked with Tony for more than 20 years. He practices in our core areas of bankruptcy, criminal law, family law... Read More »
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Matthew J. Cherney
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Woodstock, GA Bankruptcy Attorney with 13 years experience
(770) 485-4290 103 Springfield Drive, Suite 204
Woodstock, GA 30188
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
I received my Bachelor’s Degree from Carthage College in Kenosha, Wisconsin before going on to receive my Juris Doctorate from Western Michigan University (The Thomas M. Cooley Law School) in Lansing, Michigan.

After graduating law school, I was admitted to the State Bar of Illinois and began my legal career in my hometown of Chicago, Illinois, where I represented clients in all areas of debt relief for a large bankruptcy firm. In 2008, I moved to Georgia and was admitted to the State Bar of Georgia. Over the years, I've gained experience at both large-volume and mid-volume consumer bankruptcy firms before...
Alexander Gray Hait
Claimed Lawyer ProfileSocial Media
Woodstock, GA Bankruptcy Attorney with 27 years experience
(678) 888-0198 185 Stockwood Dr
#100
Woodstock, GA 30188
Bankruptcy, Divorce, Family and Personal Injury
New England School of Law-MA
Alex Hait has an extensive amount of knowledge in personal injury, consumer bankruptcy, and family law matters. Mr. Hait is admitted to the Georgia, New York and New Jersey bar and handles cases relating to domestic violence, divorce, child custody and child support. He has a reputation for being an aggressive attorney in the courtroom and sympathetic listener to his clients. The attorneys at North Metro Litigators make it their goal to put you at ease about your legal issue so that they can work with you to explore your legal options and prepare the best legal strategy for your...
Ronald F. Debranski II
Claimed Lawyer ProfileSocial Media
Woodstock, GA Bankruptcy Lawyer with 18 years experience
(770) 926-1957 321 Creekstone Ridge
Woodstock, GA 30188
Bankruptcy, Business, Divorce and Employment
Atlanta's John Marshall Law School
General practice in the areas of civil litigation and transactions in the areas of business, divorce and family law, real estate, wills, trusts, probate, and estate planning and personal injury.
Teri L. Brown
Claimed Lawyer Profile
Woodstock, GA Bankruptcy Lawyer with 10 years experience
(877) 529-1478 225 Creekstone Ridge
Suite 1
Woodstock, GA 30188
Bankruptcy, Appeals, Arbitration & Mediation and Collections
Mr. Brian Limbocker
Claimed Lawyer Profile
Woodstock, GA Bankruptcy Attorney
(678) 401-6836 2230 Towne Lake Parkway
Bldg. 800, Ste. 140
Woodstock, GA 30189
Bankruptcy
Woodstock, GA Bankruptcy Attorney with 38 years experience
991 Market Street
Woodstock, GA 30188
Bankruptcy and Business
Loyola University New Orleans College of Law
Woodstock, GA Bankruptcy Attorney with 42 years experience
(678) 213-1060 9898 Hwy 92
Woodstock, GA 30188
Bankruptcy, Business, Collections and Estate Planning
John Marshall L.S. (Atlanta)
Derick C. Villanueva
Claimed Lawyer ProfileSocial Media
Kennesaw, GA Bankruptcy Attorney with 13 years experience
(770) 220-0818 3166 Cherokee Street
Suite 101
Kennesaw, GA 30144
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
Syracuse University College of Law
Derick C. Villanueva is a solo-practice attorney and offers knowledgeable, experienced and aggressive legal counsel to individuals who have been seriously injured or killed in accidents through no fault of their own. Mr. Villanueva has worked hard to obtain favorable outcomes and results for his clients. Mr. Villanueva received his BA Magna Cum Laude from Emory Universtiy, JD and Masters from Syracuse University. Mr. Villanueva has earned the Martindale Hubbell Client Distinction Award, acceptance in The National Association of Distinguished Counsel Top One Percent, achieved an Excellent Rating in Avvo, acceptance in the Top 40 Under 40...
Jeffrey Mark Heller
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Canton, GA Bankruptcy Attorney with 32 years experience
(770) 345-1130 151 W. Main Street
#304
Canton, GA 30114
Free ConsultationBankruptcy, Criminal and Social Security Disability
Memphis State University
Archie Luther Speights
Claimed Lawyer ProfileSocial Media
Canton, GA Bankruptcy Attorney with 18 years experience
(770) 479-1500 181 East Main Street
Canton, GA 30114
Free ConsultationBankruptcy, Criminal, DUI and Divorce
University of Mississippi
Areas of Practice Criminal & Bankruptcy Law Bar Admissions Georgia U.S. District Court Northern District of Georgia Georgia Court of Appeals Supreme Court of Georgia Education University of Mississippi School of Law, University, Mississippi - 2000 Law Journal: Journal of National Security Law, Editor in Chief Honors and Awards Voted by his peers as among the Legal Elite in Georgia in Bankruptcy Law. (Georgia Trend Magazine) Professional Associations and Memberships Georgia Bar Association Cherokee County Bar Association NACBA
Roger Ghai
Claimed Lawyer ProfileSocial Media
Kennesaw, GA Bankruptcy Lawyer
(770) 792-1000 1301 Shiloh Rd NW
Ste 430
Kennesaw, GA 30144
Bankruptcy and Personal Injury
Mr. Ghai’s goal is to provide excellent representation to all of his clients and to bring each client’s case to an equitable solution as soon as possible.

Roger Ghai has represented clients in all types of injury cases such as automobile and trucking accidents, slip and falls, medical malpractice, defective drug cases, and wrongful death for twenty-five years. In many of his cases, lawsuits have been filed and jury trials held.

Over the years Mr. Ghai has represented thousands of clients in Chapter 7 and Chapter 13 bankruptcy proceedings. He is a former guest speak on 1380 WAOK radio station on the...
Ashley Anne DiGiulio
Claimed Lawyer Profile
Marietta, GA Bankruptcy Lawyer with 18 years experience
2985 Gordy Parkway
Ste. 108
Marietta, GA 30066
Free ConsultationBankruptcy, Consumer and Divorce
Georgia litigation, contracts and consumer Attorney With The DiGiulio Law Firm, LLC. based in Atlanta GA, Marietta GA, Lawrenceville GA
Robert Bermudez Campos
Claimed Lawyer Profile
Kennesaw, GA Bankruptcy Attorney with 17 years experience
(404) 388-3122 2774 N. Cobb Pkwy Suite 109
#317
Kennesaw, GA 30144
Bankruptcy, Business and Collections
Georgia State University College of Law
Originally from Texas, Robert first arrived in Atlanta in 1995 to attend Emory University as an undergrad, graduating early with a B.A. in 1998. Having come to call Atlanta his home, Robert subsequently earned his J.D., with honors, and his M.B.A. in 2001 from the College of Law and the Robinson School of Business at Georgia State University. After graduation from law and business school, Robert was promptly admitted to the Georgia Bar in 2002 and spent several years as a litigator at a boutique bankruptcy and business litigation law firm based in Atlanta, amassing extensive business litigation,...
Joseph William Segraves
Claimed Lawyer Profile
Kennesaw, GA Bankruptcy Attorney with 45 years experience
(770) 924-7508 4290 Bells Ferry Rd NW
Suite 134 PMB 32
Kennesaw, GA 30144
Free ConsultationBankruptcy, Divorce, Social Security Disability and Workers' Comp
Emory University
Donna Lynn Harding
Claimed Lawyer Profile
Acworth, GA Bankruptcy Lawyer with 17 years experience
(770) 975-9265 3330 Cobb Parkway, Ste 17, PMB 143
Acworth, GA 30101
Bankruptcy and Consumer
Syracuse University
Ms Donna Lynn Harding
Claimed Lawyer Profile
Kennesaw, GA Bankruptcy Lawyer
(678) 462-1757 2904 Cherokee Street
Kennesaw, GA 30144
Bankruptcy
David Galler
Claimed Lawyer ProfileSocial Media
Roswell, GA Bankruptcy Attorney with 32 years experience
(770) 671-8830 875 Old Roswell Road
Building B Suite 100
Roswell, GA 30076
Free ConsultationBankruptcy, Foreclosure Defense, Tax and Workers' Comp
Georgia State University College of Law
Mr. Galler is a native Atlantan,he began practicing law in 1987 he opened his own firm in one room. Although big companies paid a lot more inspired by Perry Mason his goal was to help people in trouble, not Insurance companies, banks or large employers. Over the years help thousand with debt problem and work injuries, Finally over ten thousand bankruptcies, including a 99% discharge rate on chapter 7 cases. OVer the years Mr. Galler has added may other non bankruptcy solutions including student loans problems, Mortgage modifications and credit restoration
R. Jeffrey Field
Claimed Lawyer Profile
Marietta, GA Bankruptcy Lawyer with 35 years experience
(404) 499-2480 2470 Windy Hill Rd SE #319A
Marietta, GA 30067
Bankruptcy
Cumberland School of Law, Samford University
Jeff Field has spent his entire career handling bankruptcy cases for clients throughout Georgia. He has more than 30 years of experience successfully representing individuals in Chapter 7 and Chapter 13 bankruptcy cases. He now has six office locations throughout Georgia, and offers free initial consultations.
Nicole K. Carson
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Attorney with 11 years experience
(404) 782-2347 1995 N Park Pl SE
Suite 208
Atlanta, GA 30339
Free ConsultationBankruptcy
Michigan State University
File your case with $0 down

Do you need bankruptcy relief, but don't have the funds to proceed.

I’m pleased to inform you that we have developed a new program that permits our clients to file their bankruptcy with NO MONEY DOWN. You can pay for your bankruptcy in installments spread out for up to one year, meaning you can put all your debt behind you, and begin to start rebuilding your life!

If you are interested in seeking debt relief through bankruptcy, please call my office or just reply to this email. Once again, we can start the process with...
Jonathan C. Ginsberg
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
(770) 393-4985 1854 Independence Square
Atlanta, GA 30338
Atlanta, GA Bankruptcy Lawyer with 32 years experience
Bankruptcy, Social Security Disability and Workers' Comp
Tulane University-LA
Jonathan Ginsberg represents honest, hardworking men and women seeking debt relief under the United States Bankruptcy Code, or who are seeking benefits from the Social Security disability system.
Randall Carver
Claimed Lawyer ProfileSocial Media
Cartersville, GA Bankruptcy Lawyer with 11 years experience
(706) 232-2222 11 E. Main St.
Ste. 210
Cartersville, GA 30120
Free ConsultationBankruptcy and Social Security Disability
Cumberland School of Law, Samford University and The University of Georgia School of Law
Randall Carver graduated cum laude from the University of Georgia with a bachelor’s degree in Economics in 2005 and obtained his law degree from the Cumberland School of Law at Samford University in 2008. Since then, he has concentrated his practice on consumer bankruptcy where he worked for one of Atlanta’s largest consumer bankruptcy firms managing their Rome division.
Over his career, Mr. Carver has helped thousands of clients gain control over their finances and protect their property. Mr. Carver aggressively represents his clients’ interests by pursuing unscrupulous creditors who illegally harass borrowers and violate the Fair Debt Collections Practices Act.
Charles M. Clapp
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Lawyer with 13 years experience
(404) 585-0040 5 Concourse Pkwy
#3000
Atlanta, GA 30328
Bankruptcy, Consumer and Tax
Florida Coastal School of Law
Charles Clapp is the owner of CMC Law | Law Offices of Charles Clapp, an Atlanta Bankruptcy Law Firm specializing in consumer and small business bankruptcy.
Susan Schmeidler Blum
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Lawyer
(770) 393-4985 1854 Independence Square Suite A
Atlanta, GA 30338
Free ConsultationBankruptcy
Georgia State University College of Law
With my Bankruptcy law practice in Chapter 7 and Chapter 13 bankruptcies, I feel the immediate impact I have on people’s lives. I see people who need immediate help with dire financial and personal situations. With my directed advice, I am able to resolve clients’ immediate problems. With my counsel and suggestions, I am able to put clients on a path towards financial wholeness that they might have never experienced before. I see my role as a bankruptcy attorney as more than just filing a petition. I provide a comprehensive level of service and attention. I hold my clients’ hands...
Tamara Feliciano
Claimed Lawyer ProfileSocial Media
Alpharetta, GA Bankruptcy Lawyer with 7 years experience
5755 North Point Parkway
Suite 52
Alpharetta, GA 30022
Bankruptcy, Divorce, Domestic Violence and Family
Call 770-408-0477 for a Consultation | Tamara Feliciano is the managing divorce and family law attorney at Coleman Legal Group, LLC. A native of Cleveland, Ohio, Tamara received her Bachelor of Arts from Cleveland State University. While enrolled at Cleveland State University Tamara earned a Clerk position with the United States Attorney’s Office for the Northern District of Ohio (NDOH). While employed with the Department of Justice, Tamara gained invaluable legal experience from a staff in excess of one hundred United States Attorneys. Tamara credits the U.S Attorney’s Office NDOH for preparing her for a career in law and...
Frank Emilio Martinez
Claimed Lawyer Profile
Atlanta, GA Bankruptcy Lawyer with 23 years experience
(770) 541-1050 1827 Powers Ferry Rd.
Atlanta, GA 30339
Free ConsultationBankruptcy, Family, Foreclosure Defense and Immigration
Mercer Univ-W.George L.S
A graduate of the Walter F. George School of Law at Mercer University, Macon, Georgia, Frank E. Martinez, Esq. is a bilingual Spanish / English speaker. El abogado habla español. A member of the State Bar of Georgia, he is admitted to practice before the United States Supreme Court, the Eleventh Circuit Court of Appeals, Federal District Courts for the Northern and Middle Districts of Georgia, the Bankruptcy Courts of the Northern District and Middle District of Georgia, and all Georgia State and Superior Courts, as well as the Immigration Court (EOIR), and Board of Immigration Appeals.
Ronna M. Woodruff
Claimed Lawyer Profile
Marietta, GA Bankruptcy Attorney with 10 years experience
(770) 565-7924 123 Powers Ferry Road, SE
Marietta, GA 30067
Free ConsultationBankruptcy
Atlanta's John Marshall Law School
Ronna grew up in the metro-Atlanta area and graduated from John Marshall Law School – Atlanta (J.D.) and Georgia State University (B.B.A., Finance, Cum Laude). During her academic career, Ronna worked for a local law firm, Womble Carlyle Sandridge & Rice as a senior paralegal in the Capital Markets Practice Group. Ronna has two grown children and lives in Atlanta with her husband and two dogs. After more than twenty years experience working as a senior paralegal with a commercial finance company, where Ronna dealt with commercial lending contracts in which large amounts of money were involved, Ronna went...
Michael Familetti
Claimed Lawyer ProfileSocial Media
Marietta, GA Bankruptcy Lawyer with 34 years experience
(770) 794-8005 142 S. Park Square
Marietta, GA 30060
Bankruptcy, Business, Consumer and Landlord Tenant
Vermont Law School
A 1981 graduate of SUNY Albany, and a 1984 graduate of Vermont Law School. Former Federal Attorney with the SBA and FDIC. Published bankruptcy author. Profiled in Atlanta Journal Constitution and other papers for handling of several high-profile legal matters. We represent individuals and small businesses in a wide variety of matters, including divorce, state court litigation, bankruptcy and other areas.
Will B Geer
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Lawyer with 9 years experience
(678) 587-8740 333 Sandy Springs Circle, NE
Suite 225
Atlanta, GA 30328
Bankruptcy
Mercer University
I am an Atlanta attorney who helps individuals and businesses file bankruptcy to overcome unmanageable debt. I specialize in businesses Chapter 7 and Chapter 11 cases.
Howie Slomka
Claimed Lawyer ProfileSocial Media
Vinings, GA Bankruptcy Attorney with 24 years experience
(404) 445-1631 125 Townpark Dr Suite 300
Vinings, GA 30144
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Georgetown University
Founding Partners, Adam Slipakoff and Howard “Howie” Slomka have both worked in large and small law firms and with high-end clients as well as small. Quickly, they both came to realize that working with smaller clients gave them a sense of connected purpose and satisfaction that goes with helping people on a personal level. Using their experience to simplify needlessly complex processes, they found a love for guarding clients, from further trepidation and strife.
There will always be a place in the world for traditional “by the book”, black and white, logic-driven law firms. Adam and Howie simply believe their clients...
Antonio Mari
Claimed Lawyer ProfileBlawgsearchSocial Media
Cartersville, GA Bankruptcy Lawyer with 9 years experience
(770) 334-8574 605 N. Tennessee St.
Cartersville, GA 30120
Free ConsultationBankruptcy, DUI, Divorce and Family
Atlanta's John Marshall Law School
Mari Legal Group's goal is to make legal representation affordable and accessible to all the hard working citizens of Georgia. Phone or office consultations are always free. We offer weekend and evening appointments to meet your busy schedule. We also offer convenient payment options to work around your budget. Contact our office today to schedule an appointment or get a good faith estimate on the potential costs of representation. I am dedicated to bringing the highest quality of legal representation in divorce, family law and estate planning matters, personal injury or dui matters. Our office aggressively represents clients throughout North...
Ali Forrest Morad
Claimed Lawyer Profile
Atlanta, GA Bankruptcy Lawyer with 29 years experience
(404) 266-0532 4920 Roswell Road, NE
Suite 42
Atlanta, GA 30342
Free ConsultationBankruptcy, Divorce, Foreclosure Defense and Immigration
Emory University School of Law
Jennifer Jakob-Barnes
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Lawyer with 12 years experience
(404) 255-3837 6095 Lake Forrest Dr., N.W.
Suite 270
Atlanta, GA 30328
Free ConsultationBankruptcy
Oklahoma City University School of Law
Lorena Lee Saedi
Claimed Lawyer ProfileSocial Media
Roswell, GA Bankruptcy Lawyer with 18 years experience
(404) 889-8663 70 Mansell Court
Roswell, GA 30076
Free ConsultationBankruptcy and Business
Emory University School of Law
Ms. Saedi is a partner at Saedi Law Group, where she concentrates her practice in all areas of bankruptcy, business, and tax law. Ms. Saedi offers clients quality legal services in all aspects of federal bankruptcy law, and is committed to providing personal attention and affordable solutions to each and every client’s financial obstacles. Prior to starting Saedi Law Group, LLC, Ms. Saedi was a founding partner of the consumer bankruptcy firm of Saedi & Wells, LLC for eight years. Prior to that Ms. Saedi worked as a corporate attorney representing technology companies on a variety of issues. Ms....
Danny Coleman
Claimed Lawyer ProfileSocial Media
Alpharetta, GA Bankruptcy Lawyer with 15 years experience
(770) 609-1247 5755 North Point Parkway
Suite 52
Alpharetta, GA 30022
Bankruptcy, Divorce, Domestic Violence and Family
Georgia State University College of Law
Bar Admissions - State Bar of Georgia - State Court of Georgia - Federal U.S. District Court Northern District of Georgia - Federal U.S. District Court Middle District of Georgia Areas of Practice - Divorce and Family Law - Bankruptcy: Personal and Business - Business Law - Immigration
Phyllis Gingrey Collins
Claimed Lawyer Profile
Marietta, GA Bankruptcy Lawyer with 15 years experience
(678) 486-7050 278 North Marietta Pkwy NE
Marietta, GA 30060
Bankruptcy, Criminal and DUI
Michigan State University
Raised in Cobb County. Graduated Marietta High School, Georgia Tech (BS in Applied Microbiology), and Michigan State University, College of Law. Prosecuted for Cobb Judicial Circuit 2004 to 2006. Private practice 2006 to 2011. Joined Smith, Schmatmeier, LLC as Partner in 2011 to present. Appointed Chief Judge in Smyrna Municipal Court in 2016 to Present. Associate Judge in Marietta Municipal Court and Roswell Municipal Court.
Emory Lee Clark
Claimed Lawyer ProfileSocial Media
Marietta, GA Bankruptcy Lawyer with 44 years experience
(770) 421-0868 1770 The Exchange
Suite 240
Marietta, GA 30067
Bankruptcy and Consumer
University of Georgia
Philip Andrew Holloway
Claimed Lawyer Profile
Marietta, GA Bankruptcy Lawyer with 23 years experience
(678) 345-2290 191 Roswell Street
Marietta, GA 30060
Free ConsultationBankruptcy, Business, Criminal and Foreclosure Defense
S. Texas College of Law
Eugene Michael Vereen III
Claimed Lawyer Profile
Canton, GA Bankruptcy Attorney with 31 years experience
(770) 345-9449 4000 Jay Green Road
Canton, GA 30115
Bankruptcy and Criminal
A graduate of the Emory University School of Law and a member of the Georgia Bar since 1989, Attorney Michael Vereen has devoted his career to helping his clients clear their names. Dealing mainly with criminal, DUI, and bankruptcy cases, Michael Vereen possesses more than two decades of knowledge and experience practicing law in the Cobb and Cherokee county areas. Upon passing the bar exam, Michael Vereen opened his own single-attorney practice. He consults with clients on all types of cases, ranging from speeding tickets, car accidents, personal injury, DUI, and bankruptcy. Michael Vereen deeply understands the stress...
Robert J. Semrad
Claimed Lawyer ProfileSocial Media
Atlanta, GA Bankruptcy Attorney with 24 years experience
(404) 921-2585 303 Perimeter Center N.
Suite #201
Atlanta, GA 30346
Bankruptcy
DePaul College of Law
Daniel Wayne Mitnick
Claimed Lawyer ProfileSocial Media
Alpharetta, GA Bankruptcy Attorney with 25 years experience
(770) 408-7000 3180 North Point Parkway
Alpharetta, GA 30005
Free ConsultationBankruptcy, Criminal, DUI and Divorce
John Marshall L.S. (Atlanta)
The Law Offices of Daniel W. Mitnick & Associates, P.C. is a Georgia law firm devoted to providing clients with personalized attention and legal counsel they can trust. Attorney Daniel W. Mitnick received his Juris Doctorate degree in 1993 from John Marshall Law School, and his Master of Laws degree in 1994 from Atlanta Law School. He is admitted to the State Bar of Georgia, and is also admitted to practice law in the U.S. Supreme Court, the U.S. District Court Northern District of Georgia, and the U. S. Court of Appeals 11th Circuit. Attorney Jared L. Mitnick received his...
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Considering Bankruptcy?

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.


Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.