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"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. August 2017
"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. August 2017
"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. May 2017
"Attorney Jason Braswell & Lisa LaCount are just wonderful...not one time have I call the office and spoke with Carmella 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. Again, thanks for taking us on as a client of Morgan & Morgan." - C.P. May 2017
"Lee did a great job. He helped me save my home and get a grip on my financial situation. The staff at Morgan & Morgan was great. Always easy to reach on the phone and mindful of my situation. Thanks!" - April 29, 2013
An Experienced Team of Chapter 7 Bankruptcy Lawyers that Gets Results
We are a boutique law firm with a family atmosphere. We realize that our clients are in need of help and we make it our mission to create the most comfortable environment possible. Over the last 30 years, we have been providing legal services pertaining to bankruptcy, workers compensation and disability to the Athens, Georgia metropolitan area. We have assisted all types of clients from commercial businesses to individuals.
What is Chapter 7 Bankruptcy?
Chapter 7 Bankruptcy is a process used by individuals who are unable to pay their debt obligations. In order to pay them off, a bankruptcy trustee is appointed to arrange the liquidation of a debtors assets. This is typically referred to as “straight bankruptcy. The proceeds obtained from the sale of the liquidated property is then used to satisfy any debts.
When you file for chapter 7 bankruptcy, the process will discharge most unsecured debts, which are debts for which you have put up no collateral. Unsecured debts include credit card debt, medical bills, and personal loans. In effect, filing for chapter 7 clears out your debt obligations allowing you to start from scratch.
How Do I File for Chapter 7 Bankruptcy?
To file for Chapter 7 Bankruptcy, you generally file your case in the District where you reside or have resided for the last 180 days. Filing is more than simply filling out paperwork and filing it in any given district, you should consult a chapter 7 bankruptcy lawyer and weigh your options before filing because the after-effects of filing last for several years.
Can Anyone File for Chapter 7 Bankruptcy?
No. Actually, only those who qualify can file for Chapter 7 bankruptcy. To become eligible, you must meet the requirements set by the “means test” which is a method used to determine whether your income is low enough for you to file. Chapter 7 bankruptcy is meant for individuals who have a low income and truly have difficulty paying off their debts. The means test assesses your eligibility by deducting your monthly expenses from your monthly income. This test finds your disposable income and measures it against the average disposable income of other families. If your disposable income is lower than the average disposable income, then you qualify. If your disposable income is higher, then you do not. For individuals who have a disposable income that is too high to qualify, filing for chapter 13 bankruptcy is another option.
Take the First Step Toward Help
Our chapter 7 bankruptcy attorneys are dedicated to treating clients like family and making client needs a priority. We have specialized experience in assisting clients who are facing foreclosure on their homes, or have already had their homes foreclosed upon. Morgan & Morgan also specializes in matters of bankruptcy, real estate, immigration and debt collection defense. Let us help you with your debt relief, start your free consultation now by contacting us today at (706) 548-7070 to learn more about how our team of experienced bankruptcy attorneys can help you through these challenging times.
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Top Rated By Our Clients
Lee Morgan has represented me many times in the past. I have always been very satisfied with their expertise and appreciate how smoothly the process goes because of their experience and preparedness. I highly recommend! - Thomas B.