Chapter 7, or liquidation bankruptcy, allows you to eliminate credit card bills, medical bills, and other unsecured debts. Upon filing for Chapter 7, the court will issue an order that stays the collection of most, if not all of your debts. This legally prevents creditors from demanding payment, garnishing your wages, repossessing your car, or foreclosing on your home. In most cases, because of property exemptions to which you are entitled under Georgia law, there are no eligible assets to sell and you will be able to retain your assets. A discharge in a Chapter 7 is usually obtained within 4 to 6 months from the date you file your case. The discharge order means that those debts can no longer legally be collected from you.
Chapter 7 bankruptcy is most commonly used by individuals and married couples with very few or no non-exempt assets, or by individuals and married couples with below-median income (based on household size). We will analyze your income in detail and, if you qualify for a Chapter 7, work with your creditors, the bankruptcy trustee, and the bankruptcy judge to obtain your discharge and regain your financial independence.
Chapter 13 bankruptcy is a reorganization of your debts that allows individuals and married couples with reliable income to consolidate their debt obligations and catch up on important payments they have fallen behind on. If you are behind on a car loan or your mortgage, filing Chapter 13 can help you get those loans back on track. Upon filing for Chapter 13, the court will issue an order that stays the collection of most, if not all of your debts. This legally prevents creditors from demanding payment on loans, garnishing your wages, repossessing your car, or foreclosing on your home. In a Chapter 13, a payment plan is proposed that allows you to repay your debts over a period of time, typically between 3 to 5 years. And even if you have substantial equity in your property, we can propose a payment that will allow you to keep most, if not all, of your property.
Matthew Duncan and his whole team are absolutely phenomenal. They will always be my go to people when I need help, they are amazing. The receptionist is extremely friendly and helpful as well. I recommend them with 5 stars and I'd give more if it were an option.
I was nervous about filing bankruptcy but they made the process easy and explained it in a way I could understand. The office assistant has excellent customer service skills and answers all my questions every time I call.
Matt really cares about his clients and does everything he can to help them out of their current situation.
I'm an attorney in the Augusta area and I routinely refer clients who need assistance in bankruptcy matters to Matthew Duncan. Mr. Duncan is always honest, professional, and a true advocate for his clients. I trust Matthew Duncan and you should too.
Very responsive bankruptcy attorneys who accommodated me every step of the way!
Everyone there is awesome, helpful, understanding, and made me feel like they they truly care about my situation. I got put into a bad situation by no fault of my own and they went out of their way to work with me. Always got a quick response from Jackie and Nikki (their two paralegals) and Mrs Brow. Definitely recommend.
Amazing team, kept us informed and felt they cared about our immediate and future goals.
I highly recommend Duncan and Brow. They are extremely easy to work with and quick to respond. Mrs. Brow makes everything so uncomplicated and efficient. She is also sympathetic and understanding. Jackie, the paralegal is very efficient as well and so pleasant to work with.
Matt Duncan is a great and reputable attorney in our community. I would definitely endorse utilizing his services.
Every single last person I spoke to here treated me with respect, was incredibly professional and I am lucky and blessed to have chosen to help my family through this difficult time. I will forever be indebted to the wonderful women within this establishment thank you from the bottom of my heart! I will recommend this law firm to all that are in need!!! To all of those that work here stay blessed, stay safe and stay just the way you are.... Kind!