Debt can feel overwhelming, and considering bankruptcy options is a big decision. Here in Georgia, many folks call my office for the first time and don't know what to expect. As a bankruptcy attorney, I want to assure you – this initial phone consultation is a chance to ask questions, get informed, and explore your options in a safe, judgment-free zone.

What We'll Discuss:

• Your Financial Situation: We'll take a close look at your income, expenses, assets (things you own), and liabilities (your debts). This helps me understand the scope of your financial challenges and determine if bankruptcy is your best course of action.

• Types of Bankruptcy: There are different chapters of bankruptcy available, each with its own rules and benefits. We'll discuss Chapter 7 (liquidation) and Chapter 13 (repayment plan) to see which one is right for you.

• Exemptions: Georgia law protects some of your assets from liquidation in bankruptcy. We'll go over what exemptions apply to you and how they can safeguard your belongings.

• The Process: Filing for bankruptcy involves paperwork, court appearances, and creditor communication. I'll explain the steps involved and what my role will be throughout the process.

• Costs and Fees: There are associated costs with filing bankruptcy, including attorney fees and court filing fees. We'll discuss these costs upfront and explore payment options.

What is Needed to Prepare and File the Bankruptcy Petition:

• Pay Stubs: Recent pay stubs will help us understand your income.

• Tax Returns: Your most recent tax returns provide a snapshot of your overall financial situation.

• Debt Documentation: Statements or bills from creditors will help us get a clear picture of your outstanding debts. I will run your credit report and will need any documentation of debt not on the report.

• Questions: Come prepared with any questions you have about bankruptcy, the process, or your specific situation.

The Goal of the Consultation

This initial phone consultation is your chance to get a feel for my approach and see if we're a good fit. My goal is to empower you with knowledge and help you make informed decisions about your financial future. There's no pressure to file for bankruptcy on the spot.

Moving Forward

After the consultation, I'll provide you with a summary of our discussion and next steps. This may involve gathering additional documentation or scheduling a follow-up meeting to delve deeper into a specific chapter of bankruptcy.

Remember, you're not alone. Many Georgians have navigated the path of bankruptcy and come out stronger on the other side. Don't hesitate to reach out and schedule a free consultation with The Craig Black Law Firm today. Together, we can explore your options and determine if bankruptcy can help you achieve financial peace of mind.