Chapter 7 Bankruptcy Attorney in Tifton

You Don’t Have to Go Through This Alone! Call (229) 354-4490.

Debt is overwhelming. Most people either don’t know how to file for bankruptcy or don’t think filing is an option. However, filing for bankruptcy can offer you the protection you need against repossessions, foreclosures, and creditor harassment.

No Money Down.

Michael H. Turner P.C. has over 20 years of experience helping good people through hard times, and we are here to provide you with the guidance you need. If you’re considering filing for bankruptcy, it is worth speaking to our bankruptcy attorney in Tifton to find out which type of bankruptcy filing is right for you.

What Is Chapter 7 Bankruptcy?

Chapter 7 is often referred to as a "fresh financial start" for the average debtor. With Chapter 7 bankruptcy, you can have most of your unsecured debts discharged. The unsecured debt relates to debt that does not have specific collateral secured against it, such as a car or house.

While a Chapter 7 filing is a viable option for many people, it’s important to seek knowledgeable legal representation to help you make the right decision.

Do I Qualify for Chapter 7?

In order to qualify for Chapter 7 bankruptcy, you must meet several requirements:

• You pass the “means test”
• You have completed a credit counseling course that is approved by the U.S. Bankruptcy Trustee within 180 days of filing.
• You must not have a previous bankruptcy case that was dismissed within the last 180 days.
• The bankruptcy court must not suspect that you are cheating creditors.

What is the Means Test?

The means test determines whether you have enough disposable income to repay your debts and live comfortably. This means that you should have enough monthly payroll to pay a portion of your debt after subtracting certain expenses.

Get Personal Attention & Dedicated Service

Selecting a bankruptcy attorney to help you can be difficult. You need to select someone who can effectively guide you through bankruptcy law in South Carolina. Most importantly, you need to select a lawyer you feel comfortable with throughout this involved process.

At Michael H. Turner P.C., our team offers free case evaluations and will investigate your individual situation, helping you decide if a Chapter 7 bankruptcy filing is right for you. We can also go over your other debt-relief options, including filing for Chapter 13. We are with you every step of the way to see you through this difficult time.

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With so much at stake, you need an aggressive advocate. Call Michael H. Turner P.C. at (229) 354-4490 or reach out to us for a free case evaluation.