Frequently Asked Questions

Chapter 7 basics

Chapter 7 is sometimes called “straight bankruptcy”. Under Chapter 7, the Court will discharge (wipe out) many of your debts. Credit card debt, medical bills, and unsecured loans are typically discharged. Debts that have collateral, such as a car loan or a home mortgage, must be reaffirmed in order to protect the collateral. A reaffirmation is an agreement that the debt will not be discharged. Some debts, such as taxes, student loans, and divorce or child support obligations cannot be discharged in Chapter 7. Chapter 7 may be a good choice if you have unsecured debt that you cannot pay and have few secured debts. However, many factors must be considered before deciding whether bankruptcy is necessary and, if so, what type of case to file. To learn more about Chapter 7, click HERE.

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Attorney Jason Braswell & Lisa LaCount are just wonderful...not one time have I call the office that I didn’t get a chance to speak directly to Jason or Lisa, or receive an immediate return call/email with a response. Thanks to this attorney team, my mind and our finances are in order. - C.P.

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Morgan & Morgan worked on disability benefits for my unemployed 50-year old brother who was homeless and suffering from autism/Asperger’s syndrome. We all knew nothing (!) and Mr. Morgan was a breath of fresh air.

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My experience with Morgan & Morgan was exceptional!!! I was very well informed about their procedures and felt comfortable about going forth with my case. Everything was handled with importance. - C.J.

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Harold Andrews

A very respectful law firm that has very good customer service which is job one in the human world. Thank you Morgan and Morgan of Athens, GA. - W.S.


Jason is the best lawyer ever. I appreciate everything he's done in my case. I could never thank him enough.


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Morgan & Morgan attorneys can help settle your debts such as credit card debt, auto loans and mortgage debt. Contact us if you need assistance with baknruptcy or have any questions about the process. No problem is too big or too small for us to help.