We represent individuals and businesses seeking protection under Chapters 7 & 13 of the Bankruptcy Code. If you have been in an automobile accident, you need an attorney with experience to guide you through the process. The information contained in this website is provided for informational purposes only, and should not be construed as legal advice on any matter.
The transmission and receipt of information contained on this Web site, in whole or in part, or communication with this firm via the Internet or e-mail through this website does not constitute or create a lawyer-client relationship between us and any recipient. You should not send us any confidential information in response to this website.
Such responses will not create a lawyer-client relationship, and whatever you disclose to us will not be privileged or confidential unless we have agreed to act as your legal counsel and you have executed a written engagement agreement with this firm.The material on this website may not reflect the most current legal developments.
The transmission and receipt of information contained on this Web site, in whole or in part, or communication with this firm via the Internet or e-mail through this website does not constitute or create a lawyer-client relationship between us and any recipient. You should not send us any confidential information in response to this website.
Such responses will not create a lawyer-client relationship, and whatever you disclose to us will not be privileged or confidential unless we have agreed to act as your legal counsel and you have executed a written engagement agreement with this firm.The material on this website may not reflect the most current legal developments.
Services
The results of an automobile accident are often painful, stressful and emotionally draining.
When your injury is caused by someone else's carelessness, it becomes even more complicated and difficult.
Dealing with insurance adjusters is confusing.
Getting the appropriate medical care is expensive.
Worst of all, you can never be sure that you are not being misled or missing some crucial piece of information.
Hiring an experienced personal injury lawyer is vital to ensure that you receive the compensation that you need to make a full recovery.
When your injury is caused by someone else's carelessness, it becomes even more complicated and difficult.
Dealing with insurance adjusters is confusing.
Getting the appropriate medical care is expensive.
Worst of all, you can never be sure that you are not being misled or missing some crucial piece of information.
Hiring an experienced personal injury lawyer is vital to ensure that you receive the compensation that you need to make a full recovery.
If you are drowning in a sea of debt, bankruptcy may be able to give you a fresh start.
We understand that, whether it be a result of a continuing garnishment, medical bills, or stifling credit card debt, good, hardworking people are often unable to keep their heads above the water.
Bankruptcy may give you the second chance that you deserve and desperately need.
Although bankruptcy is often necessary, it is not a decision that should be lightly made.
Scott Tolbert will make sure you understand all of the consequences of your decision to file.
We understand that, whether it be a result of a continuing garnishment, medical bills, or stifling credit card debt, good, hardworking people are often unable to keep their heads above the water.
Bankruptcy may give you the second chance that you deserve and desperately need.
Although bankruptcy is often necessary, it is not a decision that should be lightly made.
Scott Tolbert will make sure you understand all of the consequences of your decision to file.
Many people believe there is perfect credit and poor credit without much in between.
By the time most people come to see us, their credit report has already been beaten up by creditors - or soon will be.
Filing bankruptcy puts an end to all of that and creates a new beginning.
Like many other items, bankruptcy can be held on your credit report for 7-10 years.
However, your report will show your filing date and date of discharge.
This tells future creditors that all of the entries dated before are no longer relevant.
By the time most people come to see us, their credit report has already been beaten up by creditors - or soon will be.
Filing bankruptcy puts an end to all of that and creates a new beginning.
Like many other items, bankruptcy can be held on your credit report for 7-10 years.
However, your report will show your filing date and date of discharge.
This tells future creditors that all of the entries dated before are no longer relevant.
Chapter 7 bankruptcy is also known as a liquidation plan.
In a Chapter 7 Bankruptcy, we show the Georgia Bankruptcy Court that, based upon your budget, you are unable to service the debt you carry.
That's it.
Approximately 90 days after we file you are granted a discharge, and you no longer owe the debt.
Now, while a Chapter 7 Bankruptcy is simple in theory, there are a number of factors to consider.
First you must qualify financially through a mandated "Means Test."
Not every kind of debt can be discharged in a Chapter 7 Bankruptcy, either.
In a Chapter 7 Bankruptcy, we show the Georgia Bankruptcy Court that, based upon your budget, you are unable to service the debt you carry.
That's it.
Approximately 90 days after we file you are granted a discharge, and you no longer owe the debt.
Now, while a Chapter 7 Bankruptcy is simple in theory, there are a number of factors to consider.
First you must qualify financially through a mandated "Means Test."
Not every kind of debt can be discharged in a Chapter 7 Bankruptcy, either.
We will help you develop a repayment plan for your debts.
It will be stretched over a 3 to 5 year period, giving you time to pay off your debts.
This is not an immediate discharge of debt like with Chapter 7, but a way to pay your creditors and possibly save your home from foreclosure.
Chapter 13 does require "priority claims" such as recent tax bills and child support to be paid in full.
If you decide you wish to pay off your debts, or do not qualify for Chapter 7 bankruptcy, we can help you determine what kind of monthly payment you can afford and help you file your payment plan with the courts.
It will be stretched over a 3 to 5 year period, giving you time to pay off your debts.
This is not an immediate discharge of debt like with Chapter 7, but a way to pay your creditors and possibly save your home from foreclosure.
Chapter 13 does require "priority claims" such as recent tax bills and child support to be paid in full.
If you decide you wish to pay off your debts, or do not qualify for Chapter 7 bankruptcy, we can help you determine what kind of monthly payment you can afford and help you file your payment plan with the courts.
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