Bio

Cha'Ron Ballard

Founding Attorney

Serving Lawrenceville & Atlanta

Customized debt relief is the cornerstone of what we offer at The Ballard Law Group. As a premier Atlanta Bankruptcy Attorney and debt relief law firm, we offer knowledgeable counsel, a great deal of compassion, and a non-judgmental atmosphere. Our practice is small enough to offer personalized attention to each client at an affordable cost, yet our expertise is great enough to rival even the biggest Atlanta bankruptcy attorneys in the Atlanta metro area.

Admissions:

Georgia State Court
Georgia Court of Appeals
Georgia Supreme Court
Northern District of Georgia Federal Court
Middle District of Georgia Federal Court

Memberships:

BBB (Better Business Better Bureau) Member “A+”
MACBAG (Metro Atlanta Consumer Bankruptcy Attorney Group) Member
Georgia State Bar – Bankruptcy Section
Georgia Real Estate Commission

Looking for a Fresh Start?

Contact Us Today!

Evening and weekend appointments available.

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FAQ

What is bankruptcy?

Bankruptcy is a protection under federal law that allows a person to reorganize outstanding debts. Under bankruptcy law, debtors who owe more money than they can afford can either eliminate some (or all) of their debts or work out a payment plan to pay a portion (or all) of their debts over time.
Will I lose my home or car if I file bankruptcy?

In many cases, you will be able to keep both your home and your car. You will be expected, however, to pay the non-exempt value to your creditors.
What is Chapter 7 Bankruptcy?

The chapter of the bankruptcy code that provides for what is known as “liquidation” or “clean slate”, Chapter 7, lets you discharge (wipe-out) most unsecured debts, such as credit card balances, medical bills, and even certain taxes. Some debts, such as child support, student loans, and recent taxes cannot be discharged through Chapter 7. Typically, people who file for Chapter 7 have no assets to protect and earn below the median income.
Will bankruptcy affect my credit?

If you are in a position to file bankruptcy, your credit may already be poor. Filing bankruptcy may not make things much worse, but you should know that the bankruptcy filing will be on your credit report for ten years. On the plus side, the filing of bankruptcy may put you in a better position to pay your current bills and begin to rebuild your credit. In many cases, people who have declared bankruptcy are in a better financial position and with stronger credit scores than those who are still stuck wondering how to pay their overwhelming debts.