Best Consumer Protection Lawyers in Columbus, GA

I will not mislead you. Bankruptcy always looks bad on your credit report, and it will stay on your credit report for seven to ten years. But, by the time most people come to see me, their credit report is already shot. At that point, filing bankruptcy can sometimes improve the credit report since, upon receiving your discharge, you are no longer legally liable for the discharged debts.

No. Bankruptcy filings are public record, which means if someone went to the Federal Court, they could search records to ascertain who has filed a bankruptcy; however, most people will never do that. No one has time to go through all of those records. Notices of foreclosure do run in the local newspaper, but there is NO notice run for anyone filing for bankruptcy.

There is no minimum amount needed to file for a bankruptcy. Though we have told many who come for a free consultation that bankruptcy is not their best option due to the small amount of debt, there is no minimum amount. I have told other clients that have a small amount of debt, but are being GARNISHED, that I would absolutely recommend bankruptcy to stop the garnishment. Each case is different. I will happily discuss the options when we have your schedule free consultation.

If someone is old enough to incur debt, they will be old enough to file for bankruptcy. Also, no one is ever too old to seek the help of the Bankruptcy Court to get relief from their creditors.

The law says that a bankruptcy may stay on the credit report for up to 10 years. And, though bankruptcy never looks good on your credit report, by the time that most people see us for bankruptcy, their credit report is already pretty ugly...or will be soon! Once we file a bankruptcy case, many people see their credit score increase because once a discharge is received, you are no longer responsible for the ugly debt.