Frequently Asked Questions

I’m starting to think I may have to file for bankruptcy. Where do I start?

If you are considering bankruptcy, it is important to have a thorough consultation with an experienced bankruptcy attorney. You should leave that consultation with a good understanding of your options. Once you know your options, you can make an informed decision about what should be done. Never let an attorney or anyone else pressure you into filing a bankruptcy, or filing a particular type of bankruptcy. Get the facts first. Make sure you know the pros and cons of each type of consumer bankruptcy case.

At Morgan & Morgan, you can expect a pleasant, non-judgmental, thorough review of your situation by an attorney with many years of experience. We will take the time to make sure you know your options, and we will try to answer all your questions. We will NEVER pressure you to file a bankruptcy case. Instead, we will make sure you have the information you need to make a decision that is right for you.

Absolutely not. We can usually gather the information we need by simply asking the right questions. If necessary, we will help you get a credit report to help insure we have a complete picture. At your first meeting, our primary focus is to get a good overall picture of your situation and make sure you understand your options. You don’t need to spend hours gathering documents before you come in.

Individuals and married couples with consumer debt usually have the option to file under either Chapter 7 or Chapter 13. You can learn about the difference and what is involved with each type of case at our website, At your initial consultation, we’ll make sure you understand both options. Each has pros and cons, and which may be best for you can sometimes be a difficult decision. Rest assured that we will spend the time necessary to make sure you understand each option.

Other Frequently Asked Questions:

Client Testimonials

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.

Catherine Pettit

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.

Disability client

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.

Casmin Jones

We were fully enlightened about our situation which helped us choose our best choice concerning a problem. We would recommend Mr Braswell to our friends. - H.A.

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.


Dedicated to providing superior service not found elsewhere.

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.