Chapter 7 Bankruptcy

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For many people, filing Chapter 7 is the quickest, easiest way to get out of debt. However, Chapter 7 has pros and cons that you should discuss with your attorney before you decide to file.

At Woodall & Woodall, we have helped thousands of people in southern Georgia file Chapter 7 bankruptcy. You can rely on our experience as we review your finances and discuss the possibility of bankruptcy with you. If bankruptcy is not the right option for you, we will tell you upfront. If it is, we will explain how Chapter 7 may benefit you.

We are one of the leading bankruptcy firms in Southern Georgia. Based in Valdosta we serve clients in 35 counties-that's from the Alabama line to the Atlantic. We want you to know that you do have options and there are attorneys who care.

Chapter 7 Eliminates Many Debts

Under Chapter 7, unsecured debts such as medical bills, personal loans and credit cards will be discharged. This means you do not have to repay them.

Secured debts may be discharged if you return the collateral to the lender. For example, if you can no longer pay your auto loan and do not plan to keep your car, you can return it to the lender and your loan will be wiped out.

Like every chapter of bankruptcy, Chapter 7 provides the automatic stay, which prevents creditors from harassing you and taking collection actions against you. This means that while the bankruptcy is in progress, no lender or collection agency can contact you, foreclose on your home or repossess any property.

We will put your finances through the Chapter 7 means test to determine whether you qualify. If you do not, you may be able to file Chapter 13 bankruptcy instead. We will discuss all of this with you so you can make an informed choice.

Now Is The Time To Take Action

For a free consultation, please call our attorneys in Valdosta at 229-247-1211. You can also complete the form on this page if you prefer.

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

What Our Clients Say:

Thank you for being so great in a time of need. Your office has been more than helpful with any situation that I have had. I appreciate the kind and generous people working at Woodall & Woodall. All the attorneys go above and beyond to make you feel comfortable. They are always available and respond quickly to any questions.


Stan R., Valdosta, Georgia

I would like to thank you for assisting us with one of the most difficult and challenging periods of our lives. We were very grateful for your assistance, support and understanding during this trial in our lives. We had never experienced the "journey" of personal bankruptcy and we were relieved that someone of your expertise was available. It was a great comfort to have someone of your integrity and character guide us during this difficult period. We will never forget the kindness and understanding shown to us, and we will always be grateful our paths crossed in life. You exhibited exemplary professionalism in every stage of the process, and went above and beyond to assist us. We will always remember you with gratefulness in our hearts.

Glenda L., Georgia

I am writing this as a testimonial to commend the exceptional efforts of the law offices of Orson Woodal. I came to Mr. Woodall at a time when I had experienced a number of significant setbacks due to the declining economy and changes in my career field.

I was in a very vulnerable position and not sure what options I had or how to proceed in executing a plan to get back on track. Mr. Woodall evaluated my particular set of circumstances and made a very simple and straightforward plan to put me on the path to recovery.

I am eternally grateful to the law offices of Woodall & Woodall for their level of commitment and professionalism that they extended to me and my family at one of the most challenging times of our lives.

I would recommend their services to anyone that is in need of their legal advice and services. To sum it all up, I would say, "Legal expertise with a personal touch." I extend a heartfelt thank you to the entire staff at Woodall & Woodall.

Joseph S., Georgia