Savannah GA Bankruptcy Attorney Mark Bandy

Chatham County Georgia Debt Relief Lawyer

Giving Georgia Residents a Fresh Start! "The Law Offices of Mark A. Bandy, P.C. helps its consumer bankruptcy clients take control of their financial lives by exploring with them the various legal options available to them, including Chapter 7 and Chapter 13 bankruptcy.  All Americans have been affected by the current economic recession as incomes have shrunk, asset values have fallen and debts have mounted.    The best and brightest minds in Washington and on Wall Street and Main Street missed the signs of our economic collapse.  Needless, many of the rest of us did too.  For many of us, bankruptcy is a reasonable alternative to these troubling circumstances which will allow you the "fresh start" envisioned by the Bankruptcy Code.

The Law Offices of Mark A. Bandy, P.C. will review your financial situation with you and discuss the various alternatives, including financial counseling, negotiations with creditors, default, foreclosure and bankruptcy.  We will explain to you the costs and benefits of each course of action so that you will be in the best position to map out your financial future going forward.  Bankruptcy is one way that an individual can stop the financial merry-go-round on which many of us find ourselves.

Trapped in a job with low-income or no income, making minimum payments on credit cards, barely meeting mortgage payments, many individuals are sinking deeper and deeper into debt as interest payments and penalties mount.  Bankruptcy stops the music.  Creditors are frozen: No More Phone Calls, No More Harassing Letters, No More Lawsuits, No More Foreclosures and Repossessions.  Bankruptcy allows you to catch your breath and then move forward with a definite plan.

 
Let us help you prepare for that Fresh Start and New Beginning!  Call or e-mail us today!

Bankruptcy Overview

Title 11 of the United States Code (the Bankruptcy Code), a federal law allows honest debtors to discharge their debts and start life afresh by filing for bankruptcy. While there are many chapters in the Bankruptcy Code, Chapter 7 and Chapter 13 are the most commonly used ones. There are a total of six chapters described in the Bankruptcy Code.

Bankruptcy gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.  A bankruptcy discharge achieves this goal by freeing a debtor of specific debts and prohibiting creditors from ever moving to recover those debts.

A bankruptcy petition must be filed in a Federal Court. Most part of the bankruptcy process takes place outside the court.

Will bankruptcy protect me from my creditors?

Bankruptcy will discharge most of your debts and give you a fresh start. The following debts however will not be discharged by bankruptcy:taxes; spousal and child support; debts arising out of willful misconduct and or malicious misconduct by the debtor; liability for injury or death from driving while intoxicated; non-dischargeable debts from a prior bankruptcy; student loans; criminal fines and penalties and forfeitures. It does not discharge the debtor from any debt incurred for money, property, services, or an extension, renewal, or refinancing of credit, to the extent obtained by false pretenses, a false representation, or actual fraud, other than a statement respecting the debtor’s or an insider’s financial condition.

Once a debt is discharged in bankruptcy, the creditor cannot enforce the debt against you nor start any collection activity. You need not pay that debt.

Can I file for bankruptcy?

Even you can file for bankruptcy if you are an honest debtor who has suffered some unforeseen financial set back. Bankruptcy will give you a fresh start in life. Talk to a bankruptcy attorney. A bankruptcy attorney can help you file for bankruptcy.

Filing for bankruptcy only after you have exhausted all other options. Bankruptcy should be your last option.

Our bankruptcy attorneys are based in Savannah, Georgia

From our offices, we help clients in Savannah, Richmond Hill, Hinesville, Chatham County, Bryan County, Glynn County, McIntosh County, Liberty County, Long County, Evans County, Bulloch County, Effingham County, Toombs County, Port Wentworth, Pooler, Garden City, Tybee Island, Bloomingdale, Isle of Hope, Pembroke, Darien, Brunswick, Statesboro, Coastal Empire, Rincon, Springfield, Lyons Vidalia, Claxton, Metter, Swainsboro, Baxley, Jesup, McCrae, Valdosta, Waynesboro, Wrightsville, Fort Stewart Army Base and Hunter Army Airfield.

We can help you file for bankruptcy. Call 912-507-9873 now for a consultation.