Learn More About Your Bankruptcy Options

As an individual, there are two primary options for declaring bankruptcy, Chapter 7 and Chapter 13. Which one you choose will depend on several factors, including your income level, your asset protection goals and your overall timeline for debt relief.

Chapter 7 bankruptcy: This is a good option for individuals with significant, unsecured debt (credit cards, medical bills, etc.) who do not have the income to manageably repay their creditors. Most debts can be discharged in a matter of months. In many instances, individuals can still keep their homes and cars but may be required to forfeit certain other assets.

Our firm also helps businesses file for bankruptcy under Chapter 7.

Chapter 13 bankruptcy: This option is best suited to individuals with the income to repay debts, but the inability to pay them off under current terms. Rather than seeking discharge, you will work with a trustee to renegotiate a more favorable repayment plan, allowing you to pay back most debt within three to five years.

Because you are repaying debts, you can keep most of your important assets and avoid foreclosure, provided that you make regular payments.

Before deciding on a course of action, it is important to discuss your options with an experienced attorney like Kathryn Brow.

Helping You Fight Back Against Debt Harassment And Unfair Collection Practices

As a consumer bankruptcy lawyer, Ms. Brow has witnessed the unethical and sometimes illegal practices that creditors and collectors use with individuals who may not be aware of their rights. If you have been a victim of harassment or illegal financial practices by creditors/collectors, our firm can help you hold the at-fault parties accountable. We may even be able to pursue compensation on your behalf.

For more information, check out our page on fighting debt harassment.

Additional Services

While we primarily focus on representing clients seeking bankruptcy and debt relief, our firm can also represent creditors in matters of advance debt collection. Please contact our office to learn more.

Contact The Firm To Arrange A Free Case Evaluation

With offices in Greensboro and Augusta, Brow and Associates, LLC, represents clients in business and personal bankruptcy matters throughout east-central Georgia. To take advantage of a free case evaluation by phone, call us at 706-688-9007. You can also contact us via email.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.