Gwinnett County Personal Bankruptcy Lawyer

Individual debtors — as opposed to businesses — generally have two options for discharging debt through bankruptcy: Chapter 7 bankruptcy and Chapter 13 bankruptcy. Don't be fooled by the bankruptcy myths that are out there. Visit our FAQs page for more information.

Lawrenceville Wage Garnishment Lawyer

At George R. Belche, Attorney at Law, we represent individuals throughout Gwinnett County in bankruptcy matters. We can walk you through the bankruptcy process and help you decide which type of bankruptcy is right for your unique financial situation. We provide counseling on:

Chapter 7 Bankruptcy Explained

Chapter 7 bankruptcy liquidates debt. Unsecured debt is discharged through Chapter 7. To qualify for this type of bankruptcy, an individual must pass a means test.

Chapter 13 Bankruptcy Explained

Chapter 13 bankruptcy reorganizes debt into the creation of a three- to five-year repayment plan. The overall amount to be paid back during the course of the plan is dependent on debt-to-income ratio.

Bankruptcy Offers Protection

Many people struggling with debt fear the prospect of creditors seizing their property. Bankruptcy offers protection against creditor actions to take your property and wages. As soon as bankruptcy is filed, an automatic stay is put into place which prohibits creditors from taking collection actions against a debtor. This includes repossession, wage garnishment, and foreclosure.

George R. Belche, Attorney at Law has been helping individuals explore their debt relief options for more than a decade. To find out more about your personal bankruptcy options, contact our law office in Gwinnett County to schedule a free consultation.

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."