Best Bankruptcy Lawyers in Macon, GA

Each bankruptcy case is different; however, most Chapter 7 cases filed in the Atlanta area take between four to six months to complete from the initial date of filing. A Chapter 13 case is longer because of the bankruptcy payment plan. A normal Chapter 13 case takes between three to five years to complete.

As part of the bankruptcy process, you will be required to complete a Credit Counseling course before filing bankruptcy and a Debtor Education court prior to receiving your discharge. These courses are between 90 and 120 minutes in length and can be completed online or over the telephone. The cost of these courses can be as low as $15 and, in some cases, debtors qualify for a waiver of this fee.

This is a very common question because people worry about their credit rating after bankruptcy. In most cases, by the time you come to our office your credit will already have taken a hard hit because of past due payments, over the balance accounts, and collection accounts. Filing bankruptcy can actually help you improve your credit score faster than trying to solve your debt problem on your own. In many cases, debtors see improvement in their credit score within a year or two after filing a bankruptcy.