Chapter 7

Serving Lawrenceville & Atlanta, GA

Lawrenceville Chapter 7 Bankruptcy Lawyer

Serving Clients in the Atlanta Metro Area

Chapter 7 bankruptcy is one of the most common and efficient ways for a person to eliminate crippling debt. 

What is Chapter 7?

A chapter 7 bankruptcy may completely discharge unsecured debts including:

The prospect of filing for bankruptcy can be overwhelming. However, our Lawrenceville bankruptcy attorney at The Ballard Law Group can help you get through the process and wipe your financial slate clean. 

Chapter 7 vs Chapter 13

Chapter 7 is different from Chapter 13 in that it focuses on discharge (get rid of) unsecured debt, such as credit cards, personal loans, and medical bills, whereas Chapter 13 allows you to repay secured debts such as your home and your car and also discharge unsecured debt.


Contact us to arrange for a free consultation about your chapter 7 debt dilemma at (404) 800-9939 or by using our online request form to speak with our Chapter 7 bankruptcy lawyers in Lawrenceville.


Protection From Creditors

Chapter 7 bankruptcy offers debt forgiveness and immediate relief by preventing creditors from:

  • Proceeding with foreclosure
  • Contacting You
  • Attempting to collect payment
  • Filing lawsuits regarding your debt
  • Repossessing your car or other assets
  • Garnishing your wages

At The Ballard Law Group, our Lawrenceville Chapter 7 bankruptcy attorneys can walk you through the process, help you prepare your case, and represent you in bankruptcy court. Our overriding goal is to help you eliminate overwhelming debt so that you regain control of your finances and rebuild your wealth to avoid any future crisis. 

Can You Sell Your House After Chapter 7 Discharge? 

Yes, you can sell your house after a Chapter 7 discharge. This is because a bankruptcy discharge eliminates most of the debt associated with the property, including mortgages and other liens that were secured by the property. This means that if you do decide to sell your home after filing for bankruptcy, it is much easier to do so without worrying about having to pay back any of the debt attached to it.

It is important to consult with a qualified attorney to ensure that all aspects of the sale are handled properly and per the law.

Commonly Asked Chapter 7 Bankruptcy Questions

What are the eligibility criteria for filing Chapter 7 bankruptcy?

To be eligible for Chapter 7 bankruptcy, you must pass the means test, which involves comparing your income to the median income in your state. You must also complete credit counseling and provide a list of your assets and debts.

How long does Chapter 7 bankruptcy take?

The entire Chapter 7 bankruptcy process typically takes three to six months from the date of filing to the discharge of debt. However, each case is unique and the timeline can vary depending on the complexity of the case and the court's schedule.

What debts are not dischargeable in Chapter 7 bankruptcy?

Certain debts, such as student loans, taxes, and child support payments, are not dischargeable in Chapter 7 bankruptcy. However, our attorneys can help you explore other options for managing these types of debts.

Will I lose all of my property if I file for Chapter 7 bankruptcy?

No, you will not necessarily lose all of your property if you file for Chapter 7 bankruptcy. There are exemptions available that allow you to keep certain types of property, such as your primary residence, vehicle, and personal belongings.

Can I file for Chapter 7 bankruptcy more than once?

Yes, you can file for Chapter 7 bankruptcy more than once, but certain time limits apply. If you received a discharge in a previous Chapter 7 case, you must wait eight years before filing another Chapter 7 case. If you received a discharge in a previous Chapter 13 case, you must wait six years before filing a Chapter 7 case.

Lawrenceville Bankruptcy Solutions Lawyer

The Means Test

In 2005, Congress amended the federal bankruptcy laws adding something called the “means test.” 

The means test determines your eligibility to file a chapter 7 by looking at your:

  • Median income
  • Household size
  • And expenses

As of May 15, 2021, the median income cap for a single wage earner in Georgia is $53,105. A family of two can earn up to $68,295, and the amount increases based on the number of family members. 

It’s important to note that those whose household income exceeds the state median can still qualify for a chapter 7. It just indicates that your attorney must delve deeper into the means test and the computations, which is significantly more complex.

This barrier to debt relief was put in place by Congress to reserve chapter 7 for those who are truly in need of its powerful debt discharge. As a result, there is now a huge misconception that this 2005 change has made chapter 7 out of reach for most people.

 However, for many individuals, chapter 7 bankruptcy remains a viable option. Your Lawrenceville chapter 7 bankruptcy attorney at our firm can help determine if you qualify for chapter 7 and if it is your best option.


At The Ballard Law Group, we know the latest bankruptcy laws for chapter 7. Let our team guide you through the process so that you can avoid unpleasant surprises. Call us today at (404) 800-9939 for a free consultation to find out how we can help you.


Contact The Ballard Law Group

End Financial Stress & Threats

You don’t have to live with the stress of bills and legal threats. Let an experienced bankruptcy attorney help you get a fresh start with a customized debt resolution. 


Call The Ballard Law Group at (404) 800-9939  or contact us online to schedule your free, initial consultation and find out how our firm can help you today. 


Bankruptcy FAQ

How does bankruptcy work?

When someone files for bankruptcy, they must disclose all their assets, liabilities, income, and expenses. Depending on the type of bankruptcy, a trustee may be appointed to oversee the process. The debtor's assets may be liquidated to repay creditors or a repayment plan may be created. Once the bankruptcy is complete, the debtor is discharged from their remaining debts.

What are the different types of bankruptcy?

There are different types of bankruptcy, including Chapter 7 and Chapter 13. Chapter 7 bankruptcy involves the liquidation of assets to repay creditors, while Chapter 13 bankruptcy involves creating a repayment plan to repay a portion of the debts over a specified period of time.

Will bankruptcy ruin my credit?

Bankruptcy will have a negative impact on your credit score, but it is not permanent. With proper financial management and responsible credit behavior, you can rebuild your credit over time.

Can I keep any of my assets if I file for bankruptcy?

The answer depends on the type of bankruptcy you file. In Chapter 7 bankruptcy, some assets may be exempt from liquidation, such as your primary residence, necessary personal property, and retirement accounts. In Chapter 13 bankruptcy, you can keep your assets while repaying your debts through a repayment plan.

Can I file for bankruptcy without an attorney?

While it is possible to file for bankruptcy without an attorney, it is highly recommended to seek the assistance of an experienced bankruptcy attorney. They can guide you through the complex legal process, ensure your rights are protected, and help you achieve the best possible outcome.

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