Debt Relief Through Bankruptcy

Financial struggles are common for people of all income levels and industries in rural Georgia. Seeking debt relief through bankruptcy can help individuals, families and farm operations put an end to their financial problems and make a fresh start. At Tyson Heard, LLC, in Camilla, we understand the challenges you're facing, and we're here to help you. Contact us to learn about your options.

  • Chapter 7 bankruptcy: Also known as "liquidation bankruptcy," Chapter 7 allows you to completely eliminate your debt and start over. There are strict guidelines for filing Chapter 7 our attorneys can help you review. If Chapter 7 is not an option for you, you can still consider Chapter 13. While many people favor Chapter 7 if they qualify, there are also potential drawbacks such as the loss of property and a serious impact on your credit score.
  • Chapter 13 bankruptcy: Under Chapter 13, you will propose a plan to repay a portion of your debt over three to five years. After the plan is complete, the remaining debt is forgiven. Just as in Chapter 7, there are some eligibility requirements for Chapter 13, so it is important to work with an experienced attorney to find out if you qualify and to structure your plan.
  • Chapter 12 bankruptcy: A newer option for debt relief, Chapter 12 was created specifically for family farmers and fishermen with regular annual income. Through Chapter 12, you can restructure your finances and create a reasonable repayment plan without some of the barriers included in Chapter 11 or 13. There are specific eligibly guidelines for Chapter 12. Our lawyers can help you determine if you qualify.

What Can Bankruptcy Do For You?

There are many benefits to filing for bankruptcy. Get help from an experienced bankruptcy attorney if you need to:

  • Stop the foreclosure process
  • Stop harassing phone calls and letters from creditors
  • Stop a repossession
  • Stop wage garnishment
  • Stop bank account levies

Contact our law firm today to take the first step toward a new financial future. We are familiar with your needs and prepared to assist you. Call 229-351-4947, or send us an email to request a free initial consultation.

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