Macon Consumer Bankruptcy Lawyer
Losing a job, sudden medical emergencies and other unplanned challenges can leave individuals facing significant financial hardships. When consumer debt becomes overwhelming and one dreads checking the mail in fear of collection notices and past-due bills, the guidance of a Macon consumer bankruptcy lawyer can alleviate those struggles.
Debt should not rule anyone’s life; instead, individuals can contact L. Wayne Gilleland, Attorney at Law. For more than 45 years, this Macon law firm has been providing reliable legal help to individuals whose lives have become consumed by unpaid credit card bills, mortgages, car loans and other debt.
Effective Debt Relief With L. Wayne Gilleland, Attorney at Law
Based in Bibb County, the bankruptcy law office is led by founding lawyer Wayne Gilleland. He has helped thousands of people find debt relief through the Bankruptcy Code. The law firm can assist with:
- Chapter 7 bankruptcy: The firm will help individuals understand Chapter 7 bankruptcy and the benefits of filing, address questions and concerns about the legal process, and discuss if this is the best option.
- Chapter 13 bankruptcy: Wayne Gilleland will help you learn about Chapter 13 bankruptcy, its benefits, how it will affect finances and whether it is the right chapter to file.
The firm is dedicated to helping individuals get rid of their debt. The Macon consumer bankruptcy attorney will work with clients during friendly and confidential consultations to assist in understanding the best debt relief option and discuss the benefits of filing for bankruptcy such as stopping foreclosure, garnishment, repossession and other collection activities.
L. Wayne Gilleland, Attorney at Law, aims to help clients save what they value the most. If someone is unsure if bankruptcy is right for them, they are welcome to consult with an experienced attorney to discuss their options. The experienced bankruptcy attorney has spent over 45 years effectively guiding people through the legal process of bankruptcy, answering questions and helping find optimal debt relief.
Frequently Asked Questions About Bankruptcy
Below are answers to common questions about how bankruptcy works, what to expect, and how it may impact assets and credit.
What are the steps involved in the bankruptcy process?
The bankruptcy process follows a series of legal steps designed to help individuals manage or eliminate debt. The process includes:
- Evaluating financial circumstances: Assessing income, assets and outstanding debts to determine eligibility
- Completing credit counseling: Attending a court-approved credit counseling session before filing
- Filing a bankruptcy petition: Submitting required financial documents and paperwork to the court
- Automatic stay: Once filed, creditors must stop collection efforts, including foreclosures and wage garnishments
- Meeting of creditors (341 meeting): Attending a mandatory meeting where a bankruptcy trustee and creditors may ask questions
- Debt resolution: In Chapter 7 bankruptcy, nonexempt assets may be liquidated to pay creditors, with remaining debts discharged. In Chapter 13 bankruptcy, individuals follow a repayment plan before receiving a discharge
Each case is unique, and speaking with a bankruptcy attorney can provide clarity on what to expect.
How long does the bankruptcy process take?
The length of time to complete a bankruptcy case depends on the type of bankruptcy filed and individual financial circumstances:
- Chapter 7 bankruptcy: Typically takes four to six months from filing to debt discharge
- Chapter 13 bankruptcy: Involves a structured repayment plan lasting three to five years before remaining debts are discharged
Unexpected delays such as creditor objections or incomplete paperwork, may extend the timeline.
How will filing for bankruptcy affect my credit score?
Many people worry about how bankruptcy will impact their credit score. While it does lower credit scores initially, it can also provide a fresh start by eliminating overwhelming debt. Key factors include:
- Credit report impact: Chapter 7 bankruptcy remains on a credit report for 10 years, while Chapter 13 stays for seven years
- Rebuilding credit: Many individuals see gradual credit score improvements by paying bills on time and using credit responsibly after bankruptcy
Over time, taking steps to rebuild financial stability can help improve creditworthiness.
What assets can I keep if I file for bankruptcy?
Bankruptcy laws include exemptions that allow individuals to keep certain essential assets. What can be retained depends on state laws and the type of bankruptcy filed. Common exempt assets include:
- Primary residence
- Vehicles
- Personal belongings
- Wages and benefits
Consulting with a bankruptcy lawyer can provide insight into which assets are protected.
Contact The Warner Robins Chapter 13 Bankruptcy Attorney Today
Individuals are invited to contact the law office of L. Wayne Gilleland, Attorney at Law, by calling 478-207-6901 or reaching out online for reliable legal help when considering filing for bankruptcy. The firm offers free initial consultations. Office hours are Monday through Friday from 9:30 a.m. to 5:30 p.m., with evening appointments available by special arrangement. The firm represents clients in Macon and throughout Middle Georgia.
Wayne Gilleland is a debt relief agent. He helps people file for bankruptcy relief under the Bankruptcy Code.