CHAPTER 7 BANKRUPTCY Q & A
1. What is Chapter 7 Bankruptcy?
2. Should I file Chapter 7?
3. Which debts cannot be discharged?
4. Can taxes be discharged?
5. Do both spouses have to file?
6. Does a person lose any legal or civil rights by filing?
7. Will I lose any property if I file chapter 7?
8. How long does a Chapter 7 case last?
9. How much does it cost to file a Chapter 7?
SEE ANSWERS BELOW
What is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is a debt discharge plan. Most of your debts are discharged and you don’t have to pay them back. There are certain debts that cannot be discharged under a Chapter 7 plan.
Should I file Chapter 7?
Clients that choose to file a Chapter 7 case generally have too small an amount of excess income to be able to make payments under a Chapter 13. They may be looking for the easiest way to quickly get out of debt, and Chapter 7 is usually the way that works best under these situations. When you schedule a FREE consultation, Mr. Rhymer will discuss with you your options based on your individual situation.
Which debts cannot be discharged?
Debts that are secured, such as liens on your home or car, cannot be discharged under Chapter 7 if you want to keep the secured property. Most back taxes, student loans, and back child support and alimony are other examples of non-dischargeable debts under Chapter 7. Mr. Rhymer will discuss the dischargeability of each of your debts with you during the free consultation.
Can taxes be included?
Most back taxes cannot be discharged by filing Chapter 7 bankruptcy. However, in some cases where the tax returns were filed and the income taxes are old enough, they can be discharged.
Do both spouses have to file?
Both spouses may, but are not required to, file Chapter 7.
Does a person lose any legal or civil rights by filing?
You will not lose any legal or civil rights by filing Chapter 7.
Will I lose any property if I file Chapter 7?
You are allowed to keep a set amount of property. Most people filing Chapter 7 get to keep all of their property.
How long does a Chapter 7 case last?
A Chapter 7 case generally takes approximately 4-6 months to complete.
How much does it cost to file a Chapter 7 case?
The clerk’s filing fee in a Chapter 7 case is $306.00. In most cases, the attorney’s fee is $1194.00, for a total cost of $1500.00. Payment arrangements can be made. Each case is different so the fees can vary depending on your particular facts.
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337 South Milledge Ave
Athens, GA 30605
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Conyers, Georgia 30094
189 West Pike Street,
Lawrenceville, Ga 30046
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4396 Lawrenceville Rd.
Loganville, Ga 30052
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Rhymer Law Firm has 4 offices in Georgia. William Rhymer is an attorney that limits his law practice to representing individuals and couples in filing consumer Chapter 13 bankruptcy cases and Chapter 7 bankruptcy cases. He and Rhymer Law Firm have been designated as debt relief agents by the federal bankruptcy law. William Rhymer has been Board Certified in Consumer Bankruptcy Law by the American Board of Certification. The Rhymer Law Firm’s main office is in Conyers, Georgia. We have a satellite bankruptcy office in Lawrenceville, Georgia. We also have a satellite bankruptcy office in Athens, Georgia and in Loganville, Georgia. Through these four bankruptcy offices we Bankruptcy Lawyer counties and you can also google search for us by entering: Athens Bankruptcy Lawyer, Atlanta Bankruptcy Lawyer, Acworth Bankruptcy Lawyer, Arcade Bankruptcy Lawyer , Auburn Bankruptcy Lawyer, Austell Bankruptcy Lawyer , Avondale Estates Bankruptcy Lawyer, Baldwin Bankruptcy Lawyer, Berkeley Lake Bankruptcy Lawyer, Bethlehem Bankruptcy Lawyer, Bishop Bankruptcy Lawyer, Blackshear Bankruptcy Lawyer , Bogart Bankruptcy Lawyer, Bostwick Bankruptcy Lawyer, Bowman Bankruptcy Lawyer, Braselton Bankruptcy Lawyer, Brooks Bankruptcy Lawyer, Buckhead Bankruptcy Lawyer, Canon Bankruptcy Lawyer, Carl Bankruptcy Lawyer, Carlton Bankruptcy Lawyer, Carnesville Bankruptcy Lawyer, Centerville Bankruptcy Lawyer , Chamblee Bankruptcy Lawyer, Clarkston Bankruptcy Lawyer, Clermont Bankruptcy Lawyer , Colbert Bankruptcy Lawyer , College Park Bankruptcy Lawyer, Comer Bankruptcy Lawyer, Commerce Bankruptcy Lawyer, Covington Bankruptcy Lawyer , Crawford Bankruptcy Lawyer, Dallas Bankruptcy Lawyer, Danielsville Bankruptcy Lawyer , Decatur Bankruptcy Lawyer , Doraville Bankruptcy Lawyer, Douglasville Bankruptcy Attorney , Duluth Bankruptcy Lawyer, Dunwoody, East Poin Bankruptcy Lawyer, Elberton Bankruptcy Lawyer, Fayetteville Bankruptcy Lawyer, Flovilla Bankruptcy Attorney, Flowery Branch Bankruptcy Attorney, Forest Park Bankruptcy Attorney, Franklin Springs Bankruptcy Lawyer, Gainesville Bankruptcy Lawyer, Glenwood Bankruptcy Attorney, Good Hope, Gray, Grayson, Greensboro, Griffin, Hampton, Hapeville, Hartwell, High Shoals, Homer, Hoschton, Hull, Ila, Jackson, Jefferson, Jenkinsburg, Johns Creek, Jonesboro, Lake City, Lavonia, Lawrenceville, Lexington, Lilburn, Lithonia, Locust Grove, Loganville, Lovejoy, Lula, Macon, Madison, Mansfield, Marietta, Martin, Maxeys, Maysville, McDonough, Midway, Milledgeville, Monroe, Monticello, Morrow, Mount Vernon, Mount Zion, Newborn, Newnan, Nicholson, Oakwood, Orchard Hill, Oxford, Palmetto, Peachtree City, Pendergrass, Pine Lake, Porderdale, Powder Springs, Riverdale, Roswell, Royston, Rutledge, Shady Dale, Siloam, Smyrna, Snellville, Social Circle, Statham, Stockbridge, Stone Mountain, Sugar Hill, Sunny Side, Suwanee, Talmo, Toccoa, Tucker, Union City, Union Point, Walnut Grove, Washington, Watkinsville Ban kruptcy lawyer, watkinsville Bankruptcy Attorney, White Plains, Winder Bankruptcy Lawyer, Winder Banckruptcy Attorney, Winterville, Woodville, Woodstock, and the following counties: Banks, Barrow, Bartow, Bibb, Butts, Carroll, Catoosa, Chattooga, Cherokee, Clarke, Clayton, Cobb, Coweta, Dade, Dawson, Dekalb, Douglas, Elbert, Fannin, Fayette, Floyd, Forsyth, Franklin, Fulton, Gilmer, Gordon, Greene, Gwinnett, Habersham, Hall, Haralson, Hart, Heard, Henry, Jackson, Jasper, Jones, Lumpkin, Madison, Meriweather, Morgan, Murray, Newton, Oconee, Oglethorpe, Paulding, Pickens, Pike, Polk, Putnam, Raburn, Rockdale, Spalding, Stephens, Towns, Troup, Union, Walker, Walton, White, and Whitfield.