Are you the victim of persistent phone calls or threatening conversations?  When considering bankruptcy, dealing with creditors can be extremely stressful, but did you know you’re protected from specific practices?  As a consumer, you’re protected from several abusive or harassing techniques under the Fair Debt Collection Practices Act.  In addition to this federal law, Georgia state law also prohibits specific debt collection practices.  But understanding which ones apply to you can be difficult.

As a citizen in Atlanta, do you know what your rights are when filing bankruptcy?  How will bankruptcy affect your student loans, taxes and your mortgage payments?  Does filing change the status of your business debts, lease agreements or credit card payments?  Should you qualify for Chapter 7 Bankruptcy or Chapter 13, and what impact will it have on your personal and your business goals?

To make the most efficient recovery from your economic situation, you need an Atlanta bankruptcy attorney with a deep knowledge of bankruptcy exemptions.  A skilled bankruptcy attorney will equip you with the knowledge of how your assets will be affected in both the short term and the long term.  Their counsel will also give you confidence when faced with a creditor who is using harassing techniques.

As your advocate, an experienced bankruptcy attorney will prepare you for court hearings, options to consider when dealing with creditors, including what type of monthly payment plan is affordable (depending on how you file).

Don’t face bankruptcy alone.  Surround yourself with a skilled team that can help you weather the storm and establish a solid financial future.