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Chapter 7 is a total liquidation type of case where the debtor attempts to discharge or eliminate all of his unsecured debt. Unsecured debt is debt that does not have collateral attached to secure payment. Chapter 7 is often the best choice if you have unmanageable credit card debt, overdue medical bills or collection lawsuits. Fees for Chapter 7 cases that do not involve complex issues start at $1500.00.
Chapter 13 is generally known a debt consolidation type of bankruptcy and is also known as a wage earner plan. If you fall behind with house payments or car payments, Chapter 13 is often the type to file as it will protect that property from either foreclosure for a home or repossession for a vehicle. When you file a Chapter 13 case, it stops any collection activity which includes seizures and provides the debtor a chance to get his financial house in order and pay that arrearage over a three to five year period of time. Fees for Chapter 13 are subject to review and approval by the Bankruptcy Court. The current standing fee order for Chapter 13 provides for an attorney fee of $3,500, payable by the Chapter 13 Trustee's office over a one to two year period.
Attorney Stittleburg is sensitive to the fact that you probably have not been through the court system before and that you deserve a thorough explanation of what will happen in your case. His job is not to pass judgment on mistakes you have made in your financial life, but to assist you in obtaining a fresh start while keeping most or all of your assets. At Stittleburg Law Offices, LLC, you will be treated with respect and courtesy. If you are looking for an experienced Atlanta lawyer that accepts cases in Atlanta, Newnan, Rome, Gainesville, Macon and Athens, we invite you to call Bernd G. Stittleburg, at Stittleburg Law Offices, LLC for professional legal services.
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