<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=599278536941839&amp;ev=PageView&amp;noscript=1">
Free Initial Consultation
229-247-1211

Albany, GA Bankruptcy Lawyer

The bankruptcy lawyers at Woodall & Woodall have helped more than 22,000 people in southern Georgia file bankruptcy. We service Valdosta, Albany, Moultrie, Thomasville, Douglas, Tifton, Waycross, Leesburg, Americus, Bainbridge, Cairo, Cordele, Pearson and 35 counties in South Georgia.

Albany, GA residents, we have considerable experience with Chapter 13 and Chapter 7 bankruptcy, and can tell you which is a good choice for your circumstances. 

 

Call Woodall & Woodall today for your FREE consultation at 229-247-1211.

 

Chapter 13 and Chapter 7 bankruptcy

Oftentimes when clients approach us, they have heard about the different types of bankruptcy but aren't sure which one is right for them. The two common types of bankruptcy that individuals files are Chapter 13 and Chapter 7. In this article we'll discuss the difference between Chapter 13 and Chapter 7 bankruptcy.

Chapter 7

When you file for Chapter 7 bankruptcy, a trustee is appointed to administer your case. In addition to reviewing your bankruptcy papers and supporting documents, the Chapter 7 trustee’s job is to sell your nonexempt property to pay back your creditors. If you don’t have any nonexempt assets, your creditors receive nothing. As a result, Chapter 7 bankruptcy is typically for low income debtors with little or no assets who want to get rid of their unsecured debts.

Chapter 13

Chapter 13 is a reorganization bankruptcy designed for debtors with regular income who can pay back at least a portion of their debts through a repayment plan. If you make too much money to qualify for Chapter 7 bankruptcy, you may have no choice but to file a Chapter 13 case. However, many debtors choose to file for Chapter 13 bankruptcy because it offers many benefits that Chapter 7 bankruptcy does not (such as the ability to catch up on missed mortgage payments).

In Chapter 13 bankruptcy, you get to keep all of your property (including nonexempt assets). In exchange, you pay back all or a portion of your debts through a repayment plan (the amount you must pay back depends on your income, expenses, and types of debt). For this reason, Chapter 13 is commonly referred to as a reorganization bankruptcy. Typically, Chapter 13 bankruptcy is for debtors who can afford to make monthly payments to get caught up on missed mortgage or car payments or pay off nondischargeable debts such as alimony or child support arrears.

Next Steps

If you are considering bankruptcy and would like to explore all of your options, we offer a free consultation with one of our experienced lawyers. Please call 229-247-1211, or complete the form today.

Call Our Office Servicing Albany, GA  Today

For a free consultation with one of our experienced lawyers, please call our office at 229-247-1211. You can also complete the online contact form if you prefer.

 

Albany Bankruptcy Lawyer.4260780_1.jpg

  • Free Confidential Consultation
  • Affordable Payment Plans
  • Over 20,000 Clients Have Trusted Us.
  • Ask About Our 720 Credit Score Program!
  • 34 Years Experience
  • Call Day, Night or Weekends

 

Looking for a Fresh Financial Start? 

Most clients are able to...

  1. Stop collection harassment.
  2. Stop wage garnishment.
  3. Get rid of credit cards.
  4. Dispose of medical bills.
  5. Stop foreclosure.
  6. Prevent repossession.
  7. Lower monthly bills.
  8. Wipe out your debt.

 

Contact Us to Schedule Your Free Initial Consultation

Albany, Georgia 

Helpful locations and resources for the city of Albany

Albany Bankruptcy Lawyers

Bankruptcy Lawyers
 
https://www.orsonwoodall.com/moultrie-ga-bankruptcy-lawyer Woodall & Woodall
110 3rd Avenue SE
Moultrie, GA 31768
229-947-4933

Albany Police Department

Albany Police Department
 
https://www.albanyga.gov/about-us/city-departments/albany-police-department Albany Police Department
201 West Oglethorpe Boulevard
Albany, GA 31702
229-431-2100

Albany Fire Department

Albany Fire Department
 
https://www.albanyga.gov/about-us/city-departments/albany-fire-department Albany Fire Department
320 N. Jackson St
Albany, GA 31701
229-431-3262

Albany, GA Attorney's Office

Albany, GA Attorney's Office
 
https://www.albanyga.gov/about-us/city-departments/city-attorney-s-office Albany, GA Attorney's Office
222 Pine Avenue Suite 560
Albany, GA 31701
229-431-2805

Albany Municipal Court

Albany Municipal Court
 
https://www.albanyga.gov/about-us/city-departments/municipal-court Albany Municipal Court
225 Pine Ave
Albany, GA 31702
229-431-2865

Regional Airport Albany

Regional Airport Albany
 
https://airport.albanyga.gov/home Regional Airport Albany
401 Pine Avenue
Albany, GA 31701
229-883-8330

 

Albany, GA Little Known Facts 

The region where Albany is located was long inhabited by the Creek Indians, who called it Thronateeska after their word for "flint", the valuable mineral found in beds near the Flint River. They used it for making arrowheads and other tools.

Albany, GA lies in a belt of historically rich farmland in the East Gulf coastal plain, on the banks of the Flint River.

Albany is located in southwestern Georgia, 78 mi southeast of Columbus, 151 mi south of Atlanta, 45 mi south of Americus, 93 mi southwest of Macon, 39 mi west of Tifton, 73 mi northwest of Valdosta, 88 mi north of Tallahassee, Florida, 70 mi east of Eufaula, Alabama, and 84 mi east of Dothan, Alabama.

Avvo Reviews Facebook Reviews Google Reviews YellowPages Reviews