Augusta, GA · Bankruptcy & Debt Relief
Augusta bankruptcy attorneys who protect what matters most.
Bankruptcy is a serious financial decision that deserves a full evaluation before you begin. Whatever your situation, the Augusta bankruptcy attorneys at Claeys, McElroy-Magruder & Kitchens can help. Never file alone. Let Angie help.
The truth most people miss
Bankruptcy protects you.
Many people do not realize that protection is what bankruptcy is actually about. In the right filing, it can shield your real estate and your vehicle while you get back on your feet. Several factors should be weighed before the final decision to file, and that preparation almost always starts the same way: a conversation about your personal financial situation with experienced legal counsel.
That is exactly what the bankruptcy attorneys in Augusta, GA at CMMK Law do. We look at the full picture first, then tell you honestly what can be protected and which path fits your life.
Protection is what bankruptcy is actually about.
Do you qualify?
The Georgia means test, in plain English.
The means test is the first thing we look at. It determines which chapter you are eligible to file based on your income, assets and debt. Get the figures wrong and a filing can be denied, so this is where experienced counsel matters most.
Below or above the median
Those below the median income for Georgia are generally eligible for Chapter 7. Those above will usually file a Chapter 13 repayment plan instead.
The previous six months
Your income is evaluated over the six months before filing, then doubled to set your annual figure. Married couples are both evaluated on total household income, even when only one spouse files.
What gets counted
Employees are evaluated on tax records and paystubs, and the number of dependents can change the picture. Business owners have income reviewed across several sources:
- Business income
- Rental income
- Investment interest and dividends
- Financial contributions from others
- Unemployment income
Two paths to a fresh start
Chapter 7 or Chapter 13?
Both can be very effective ways to reset a household budget. Which one fits depends on your income, your assets and what you most need to protect. We help you choose, and we handle the filing the right way.
Chapter 7 Bankruptcy
For filers whose income qualifies, Chapter 7 can discharge many unsecured debts and give you a clean reset.
- Many unsecured debts discharged, often about six months from filing.
- We identify which assets can be protected before you file.
- Exposed, unprotected assets may be subject to sale, so preparation is everything.
Chapter 13 Bankruptcy
For filers who do not qualify for Chapter 7, a Chapter 13 repayment plan brings debts current over time and protects what you own.
- Can stop a home foreclosure or vehicle repossession in its tracks upon filing.
- A structured plan brings your debts current by the end of the period.
- If creditors contest the plan, your attorney is ready to rebut in court.
Whatever you are facing
We can help with any bankruptcy-related issue.
From the moment you call, the pressure starts to lift. Here are a few of the things we help our Augusta clients put a stop to, and the questions we help them answer.
We help you stop the pressure
Never file bankruptcy alone
It is possible to file by yourself. It is almost never worth the risk.
The typical filer has too much to lose and little to gain by going it alone. One missed detail can mean a denied petition. Here is what your free consultation gives you instead.
- A thorough evaluation of your income before any filing begins.
- A clear read on whether Chapter 7 or Chapter 13 is the right fit for you.
- Every figure verified and in place, so your petition is accurate the first time.
- Honest guidance on which assets can be protected, before anything is exposed.
Here is the part worth acting on: a Chapter 13 can halt a foreclosure or repossession the moment it is filed. Those dates run on the creditor's calendar, not yours. The sooner you call, the more of your home, your car and your record we can protect.
Contact us today for a free consultation. We are available during regular business hours, and by appointment on evenings and weekends.
P.S. We even bring a mobile office to you. There is no reason to carry this alone for one more week. Never file bankruptcy alone. Let Angie help.
Dedicated debt relief attorneys
Call one of our three convenient Georgia offices.
Augusta, GA 30901
Dublin, GA 31021
Statesboro, GA 30458
We also bring a mobile office to serve you, and we are available evenings and weekends by appointment.
Straight answers
Augusta bankruptcy questions, answered.
We are here to help
One honest conversation is all it takes to start.
You do not have to have it figured out. Tell us your story, in confidence, and we will tell you what the law actually allows and which path protects the most. We will treat you with respect at every step.
Augusta
512 Telfair Street
Augusta, GA 30901
Phone: 706-724-6000
Fax: 706-724-3363
Dublin
1205 Bellevue Place, Suite A
Dublin, GA 31021
Phone: 478-275-8311
Fax: 478-275-8399
Statesboro
200 South Main Street
Statesboro, GA 30458
Phone: 912-764-7000
Fax: 912-489-7196
Office Hours
Monday – Thursday: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 2:00 PM
Evenings & weekends by appointment.
Free bankruptcy consultation
Tell us a little about your situation and we will reach out, in confidence, to set up your free consultation. You can reach us three ways.
Texting is usually the fastest reply, including after hours and on weekends. Your information stays confidential.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. We serve clients throughout Augusta, Dublin, Statesboro and the surrounding CSRA. The information on this page is general and is not legal advice, and contacting the firm does not create an attorney-client relationship.