Bankruptcy Law Services

Advice From Experienced Bankruptcy Attorneys

If you're struggling financially with credit card debt or other bills that seem overwhelming, or if the current economy has resulted in a sudden job loss, it might be time to consider bankruptcy help from Pratt & Wall.

It may be that you can get a “fresh start” by filing a Chapter 7 bankruptcy. You need to talk with an experienced bankruptcy lawyer who can provide you with solid legal advice.

Decades of Experience

For more than two decades, the attorneys at Pratt & Wall have provided honest and candid counsel to clients who have questions about bankruptcy in Georgia. Our attorneys have accounting and tax backgrounds and are very experienced in helping you decide if bankruptcy is the right choice for you.

We will work hard to help you find the quickest and most cost-effective solution to move forward. We will take the time to understand your financial situation. Then we will explain your options with Chapter 7 bankruptcy, including the filing requirements, the time involved, and when you can expect some relief. 

Is Chapter 7 Bankruptcy Right for You?

If you do not own a significant amount of property but owe a lot of unsecured debt (including credit card debts or medical bills) and just need a fresh financial start, Chapter 7 may be the right type of bankruptcy for you. Chapter 7 may also be appropriate if your finances have been devastated by medical bills, job loss, or divorce.

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In order to file Chapter 7, your household income should be below the median for a family of your size in Georgia. If your income is higher than the median, then our attorney will put your budget through what is known as a "means test" to see if you are eligible for Chapter 7.

Preserving Ownership of Your Home

Foreclosure is the process in which a bank takes title to real estate from the owner to satisfy a debt. If you've become behind in your mortgage payments as part of your challenges with debt, it's possible your mortgage company could begin foreclosure proceedings against you.

Pratt & Wall frequently helps bankruptcy clients preserve their ownership of their homes. Our firm knows federal and state bankruptcy provisions and can provide you with sensible, candid advice about your financial options.

Steps for Filing for Bankruptcy

Step 1. Call Us

Step 2. Consultation

Step 3. Credit Counseling

Step 4. File Your Case

Step 5. Get Protection With the Powerful Automatic Stay

Step 6. Meeting With Creditors

Step 7. Complete a Post-Filing Debtor Education Course

Step 8. The Discharge

What to Bring to Your Appointment

1. A copy of your last filed tax return
2. A copy of your pay stubs for the past eight weeks
3. A copy of all lawsuits or judgments against you
4. Information about your debts and expenses
5. Addresses for all creditors that are not on your credit report.
6. ​Download or print our client information sheet and complete the questionnaire as accurately as possible. Provide supporting documents where available.
7. ​Pay stubs or documents related to any income received in the past six months.
8. Past two years' tax returns and W-2s.
9. List of all lawsuits against you.
10. Description and mileage for all motor vehicles.
11. Driver's license and Social Security card or other evidence of your Social Security number.
12. Proof of any extraordinary monthly expenses (medical bills, prescriptions).
13. Name and address of any person you pay or are under court order to pay alimony or child support.