Bankruptcy law attorney in McIntosh county.

If you are overextended financially, bankruptcy offers instant relief. From the moment you file, creditors may not harass you with phone calls or make any further attempts to collect the debt. Bankruptcy can even stop foreclosure and temporarily recover property that has already been repossessed, giving you a chance to take a breath and get things under control.At James B. Smith, Attorney at Law, we have successfully guided many people in McIntosh County, Georgia, through bankruptcy and helped them start over financially. We focus on consumer bankruptcy:

• Chapter 7 is for people who have no income or extremely limited assets. In Chapter 7 bankruptcy, nonexempt assets are liquidated to pay off debts. However, many key assets are protected by exemptions.
• Chapter 13 is best suited for people who have some income, but just need help catching up on their payments. It allows you to create a plan to pay back your creditors in a way you can manage.

A high level of personal service.

If you are a good candidate for bankruptcy, we can tell you what to expect. We guide you through the process from start to finish, making sure your interests are protected.

We also understand that bankruptcy is not the right choice for everyone. We may recommend a different strategy for getting your debt under control that will better meet your needs. For example, we may be able to ask your creditors to give you more time or offer a different payment plan. Certain expenses may be eligible for hardship deductions.

Whatever course of action you choose, we are committed to helping you regain control of your finances and start fresh.

Contact a Chapter 13 Bankruptcy lawyer.

We understand that if you are considering bankruptcy, you are likely going through a hard time. At James B. Smith, Attorney at Law, our goal is to help you through it while securing your financial future.

With offices in Townsend, Georgia, James B. Smith, Attorney at Law, provides legal advice and representation to clients in the cities of Townsend, Darien, Jesup, Odum, Screven, Ludowici, Richmond Hill, Pembroke, Hinesville, Midway and Brunswick, as well as McIntosh County, Liberty County, Bryan County, Long County, Wayne County and Glynn County. To learn how we can protect your rights and your future, call 912.832.2395 or use the form below.