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Personal Bankruptcy
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Rebuild Your Financial Life With The Help Of Informed Bankruptcy Attorneys

You do not have to let the burden of debt overwhelm you. Bankruptcy is a viable option that provides struggling individuals with a fresh financial start regardless of how much debt they have. For years, our attorneys at Ward & Spires, LLC, have given legal advice to clients in the Augusta area and throughout Georgia. We will walk you through your bankruptcy options, and we will be with you for every challenge, providing personal service throughout the process.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy, also known as liquidation bankruptcy, is a fresh start for people who are too far in debt to dig their way out. A Chapter 7 discharge of debts can eliminate most of your debts such as credit cards and medical bills. When you take the Chapter 7 route, some of your assets may be subject to forfeiture. These assets are then sold to reimburse creditors. You must qualify under the income-based means test to file Chapter 7. Our lawyers can help you take advantage of this one-time opportunity to reset your finances.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, also known as a repayment plan, provides immediate relief from creditors while you pay off your debts over time. You make one fixed monthly payment to a bankruptcy trustee, who distributes payments to your creditors. Filing for chapter 13 relief implements an automatic stay, which stops debt collection and creditor harassment and halts creditor actions like wage garnishment, vehicle repossession and home foreclosure.

We Can Address Your Questions And Concerns

Many people avoid bankruptcy for the wrong reasons. Our lawyers will explain everything in plain English, including the pros and cons so you can make an informed decision. See our FAQ about bankruptcy or reach out to us with your specific questions.

Let Us Help – Call Our Office

We can help you determine what type of bankruptcy chapter is best for you. We can also ensure you have all necessary documentation and that you are prepped and confident in the process. To learn more about your options, call us in Augusta at 706-250-7797 or send an email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.