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770-993-1005

11175 Cicero Drive, Suite 100 | Alpharetta, GA 30022

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Charlton & Glover P.C.

Charlton & Glover P.C.

Atlanta Family Law & Divorce Attorney

  • Our Firm
    • Martin Grayson Charlton, Esq.
    • Patricia S. Glover, Esq.
  • Bankruptcy Lawyer
    • Chapter 7 Bankruptcy Attorney
    • Chapter 13
  • Wills & Probate
  • Criminal Defense
  • Mediation
  • Contact
  • Blog

Chapter 7 Bankruptcy Attorney

Chapter 7 Bankruptcy Attorney Roswell GA

chapter 7 bankruptcy As an experienced, trusted Chapter 7 Bankruptcy Attorney, we sometimes hear from debtors who want to know if they can file their own Chapter 7. While you are not required to have an attorney to file for Chapter 7, the process of completing even a Chapter 7 bankruptcy is extremely complicated. There is a large amount of paperwork that, if done incorrectly, could slow down or even dismiss your file. Our experienced bankruptcy attorneys can prepare your Chapter 7 bankruptcy paperwork and appear for you in front of the bankruptcy trustee.

Another important reason you need a bankruptcy attorney is for pre-bankruptcy planning and asset management. While Chapter 7 bankruptcy is called “Liquidation Bankruptcy,” many of our clients’ keep most if not all of their property and assets. The bankruptcy code offers an exemption system that permits a debtor to protect certain types of property up to a maximum value. Our experienced Roswell Chapter 7 bankruptcy attorneys skillfully utilize this exemption system to provide the most extensive protection of our clients’ assets and net worth. While some assets will not be dischargeable, we can advise you regarding legal ways to convert non-exempt assets into exempt assets so that you protect more of your net worth. We also can analyze the timing of certain transactions to ensure that there are no conveyances subject to being reversed by the trustee because they are too close to your bankruptcy filing.

If you have sufficient unsecured Chapter 7 debt that can be discharged, we analyze whether you qualify for Chapter 7 under the “means test.” The means test is a multi-stage analysis that first involves determining whether you income less certain IRS allowed expenses exceeds the median income for a family of your size in Georgia. Our experienced Roswell Chapter 7 bankruptcy attorneys can typically analyze whether you qualify for Chapter 7 under the means test when you come in for your initial consultation.

Debts Generally Subject to Chapter 7 Discharge

  • Credit card debt
  • Hospital bills
  • Unsecured credit lines
  • Unpaid utility bills
  • Judgments obtained by creditors
  • Many other civil judgement (excluding those for DUI related injuries)

Debts Not Generally Subject to Chapter 7 Discharge

  • Family court obligations like child support and alimony
  • Victim compensation (i.e. personal injury/wrongful death judgments)
  • Certain tax obligations
  • Student loans guaranteed by the government (limited circumstances)
  • Fines or restitution imposed by a court

Here is the link to the US Trustee’s office in our division: https://www.justice.gov/ust-regions-r21

Helpful Links

  • Chapter 7 Protection in Georgia
  • Chapter 7 Actions

Credit Bureaus

  • https://www.equifax.com/personal/
  • https://www.experian.com/
  • https://www.transunion.com/

United States Bankruptcy Court Bankruptcy Basics

  • https://www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics
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Testimonials

"After coming home from the military, I had financial issues that I had let get out of control. I didn’t know what to do, so I did some research online for legal assistance. Patricia has an awesome reputation in our community, so I scheduled a consult. My first impression was "I am dealing with a real person" ...

Chris

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"5 Stars, of course no one WANTS to think about divorce, child custody or other situations you might someday find yourself needing a lawyer for but it is simply a reality for some & it’s always good to be prepared" ...

Erin Charisse

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"Charlton & Glover have handled bankruptcy, DUI, divorce, personal injury, and criminal defense cases for me and have done an excellent job" ...

Mike

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Contact us today to schedule a free initial consultation!

770-993-1005

11175 Cicero Drive, Suite 100
Alpharetta, GA 30022


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Our Legal Services

  • Criminal Defense
  • Bankruptcy
  • Wills & Probate
  • Mediation
  • Arbitration

About Us

Charlton & Glover, located in Alpharetta, GA, was founded in 1994 by Martin G. Charlton and Patricia S. Glover, attorneys who have been practicing since 1983 and 1988, respectively. Our experienced attorneys will work one-on-one with you to get the attention you deserve, whether it involves Criminal Defense, Wills & Probate, or any other legal issue.

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