100% Free Consultations - No money down - Same day Service – Affordable payments. Welcome to Hall & Mullis. We are a South Georgia based law firm dedicated to you with your financial problems. We stop garnishments, repossessions, foreclosures and medical collections. Unlike many bankruptcy law firms, we will never treat you as just another client and your case will be treated as unique. We will propose solutions to your problems with a specific plan custom designed with your best interest in mind. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. We can help you eliminate debt, stop repossessions and foreclosures, stop wage and bank account garnishments, stop creditor harassment, stop tax levies, protect your assets, and keep you in business.
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Chapter 7: Straight Bankruptcy or Liquidation Chapter 7 is the quickest, easiest way to get out of debt. Like all chapters of bankruptcy, however, it has pros and cons that you should discuss with a lawyer before you decide to file. Chapter 7 Eliminates most Debts Under Chapter 7, unsecured debts such as medical bills, personal loans and credit cards will be discharged. This means you do not have to repay them. Secured debts may be discharged if you return the collateral to the creditor. For example, if you can no longer pay your auto loan and do not plan to keep your car, you can return it to the creditor and your loan will be wiped out. You can also choose to keep your car and continue making direct payments to the creditor. Chapter 7 provides the automatic stay, which prevents creditors from harassing you and taking collection actions against you. This means that while the bankruptcy is in progress, no creditor or collection agency can contact you, foreclose on your home or repossess any property. We will put your finances through the Chapter 7 means test to determine whether you qualify. If you do not, you may be able to file Chapter 13 bankruptcy instead. Chapter 13 Bankruptcy: Wage Earner's Reorganization People typically choose Chapter 13 if they are over the income limit for Chapter 7 or if they wish to save their home from foreclosure or car from repossession. Filing bankruptcy halts all collection actions, including foreclosure and repossession, while the bankruptcy process is ongoing. Because Chapter 13 gives you three to five years to catch up on payments, it is often a good choice for people facing foreclosure or repossession. Basics of Chapter 13 Under Chapter 13 bankruptcy, your debts, including the mortgage, will be reorganized into a repayment plan over three to five years. As part of the plan, the payments on these debts will be lowered so they are more affordable. Successful completion of the repayment plan will result in some of your remaining debts being discharged, if they are eligible. Unsecured debt, such as credit cards and medical bills, may be discharged. Some debts are not dischargeable under bankruptcy, including court-ordered child support and spousal support, student loans and certain types of taxes.