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Benefit from the Experience of Attorneys Bill and Valerie Sherman Former Assistant Attorney General, Assistant County Attorneys and Magistrate Judge

I Am Overwhelmed with Debt: When Can I File Bankruptcy?

Question: I am overwhelmed with debt. I have credit card debt and medical debt. I owe a lot of money. I'm getting sued on an old debt and I just got a garnishment notice for a debt I had long forgotten about. I am stressed and can't sleep well. And the creditors keep calling. They call my job. They even call my parents in Sandy Springs. I live in Cumming. I know I can't do anything about my student loans. But I need help with the rest. I need to know how long it takes to file bankruptcy. I need to file really soon. I don't want to get garnished. I need that money for rent and for my car and to buy food. When can I file bankruptcy? What do I need to do?

Answer: We understand that financial pressures brought about by debt can be debilitating. It can be very stressful. We understand that for many people bankruptcy provides the only relief that they can receive from harassing creditors, lawsuits and garnishments.

The timeline of a bankruptcy filing is, generally speaking, most dependent on how long it takes a client to bring us the documentation necessary to prepare a financial assessment and a bankruptcy petition (either a chapter 7 or a chapter 13). We need to prepare the bankruptcy petition properly and then file it with the court. Each client can take a different amount of time. Some clients are able to access documents more quickly than others; some clients respond to our questions more quickly than others. But we certainly understand the importance of filing fast and we understand the importance of making sure that filing is done as close to perfectly as possible. You want to hire a bankruptcy lawyer who will perform a full financial assessment and advise you of your options and then work with you to determine the best course of action to address your specific debt issues.

About Us

If you are considering filing for bankruptcy, call us immediately at 678-215-4106. We are proud when our clients tell us and their family and friends that we are "the best bankruptcy lawyers." We work hard every day to earn their accolades. We are caring, knowledgeable and experienced bankruptcy attorneys. Our deep experience includes serving as a magistrate judge, an assistant county attorney and an assistant attorney general. This experience tremendously benefits our clients. Let our experience work for you!

If you have a question, email it to us (include the important details) and we'll do our best to answer it. At the Sherman Law Group we try to answer as many questions as possible on our blog. No names will be used.