Your questions, answered honestly.

Yes. Your first consultation is free, confidential, and carries no obligation. You can sit down with us, lay out what you owe and what is worrying you, and get honest answers before you decide anything.

We have offices in Augusta, Dublin, and Statesboro, and you can meet us at whichever is closest. If getting in is hard, we can start with a phone intake and handle the early steps over the phone. You may still need to come in to sign documents, but we can get the ball rolling without you making a trip first. We answer during business hours, and if you reach us after hours, we return your message the next business day.

A bankruptcy case is a public record, but it is not printed in your local newspaper the way a foreclosure notice is. We do not announce it, and most people in your life will never have a reason to look.

Bring what you can find: recent pay stubs, your most recent tax return, a rough list of who you owe, and any letters from creditors, a lender, or a court. Do not let a missing document stop you from reaching out. We will help you fill in the gaps.

Yes, if you act in time. Filing stops the sale, and Chapter 13 lets you catch up on what you are behind. But Georgia foreclosure sales are held on the first Tuesday of the month, and once the sale happens it is final and cannot be undone. The sooner you come in, the more we can do.

More on how this works: stopping a foreclosure in Georgia.

Often yes, especially if you move quickly. Filing can stop a repossession, and in some cases help you recover a vehicle that was recently taken. Timing makes a real difference here, so do not wait.

More on this: stopping a car repossession.

We will be honest with you. Student loan debt is difficult to discharge, and chasing that on its own usually is not the right reason to file. What bankruptcy can often do is clear your other debts so your budget has room to handle the student loans. Bring the whole picture and we will talk it through.

These are the kinds of debt bankruptcy handles best. In many cases they can be wiped out completely, which is exactly what gives people their fresh start.

Yes. Filing stops most wage garnishments and pauses debt collection lawsuits. If a creditor has sued you or is taking money out of your paycheck, reach out soon, because there are deadlines that matter.

Some, yes. Things like child support, most recent taxes, and court fines generally stay with you. We will tell you plainly which of your debts bankruptcy can help with and which it cannot, so you know what to expect.