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A Law Firm Helping You Find A Fresh Start Through Chapter 7 Bankruptcy

Many people believe that by filing Chapter 7 bankruptcy, they will lose everything they own. Thankfully, this is simply untrue. To get the facts about Chapter 7 bankruptcy and learn how it can help you eliminate your overwhelming debt, contact L. Wayne Gilleland, Attorney at Law.

With more than 40 years of experience helping clients successfully navigate the legal process, Macon attorney Wayne Gilleland will help you recognize if Chapter 7 bankruptcy is right for you. During a free and friendly consultation, he will review your financial circumstances, address your questions and concerns, and set you on the path to effective debt relief.

Discharging Most Or All Of Your Debt In A Chapter 7 Filing

Chapter 7 is a type of bankruptcy that lets individuals get rid of their dischargeable debt. These are primarily “unsecured debts,” or debts without collateral. Examples include:

  • Unpaid credit card balances
  • Overdue medical bills
  • Unpaid utility bills and cellphone bills
  • Payday loans
  • Past-due rent payments

Because Chapter 7 is also known as liquidation bankruptcy, people often think that by filing, they will have to liquidate (sell off or give up) all of their assets. While liquidating assets to pay debt may be a part of the process, the majority of individuals who file for Chapter 7 bankruptcy don’t lose anything. Additionally, filing for Chapter 7 brings an immediate halt to actions that have likely been stressing you out for months or years. As soon as you file for Chapter 7 bankruptcy, an “automatic stay” will go into effect that will stop creditor harassment and legal actions like repossession, garnishment and foreclosure. Any liens and levies will also be halted.

Which Type Of Debt Relief Is Right For You? Discuss Your Options For Free.

The first goal at L. Wayne Gilleland, Attorney at Law, is to help you find the most effective and efficient debt relief option for your financial situation. Mr. Gilleland will help you understand which of your debts could be discharged through Chapter 7 bankruptcy, as well as which property is considered exempt from bankruptcy. If you do not qualify for Chapter 7 bankruptcy, he can also assist you with filing for Chapter 13 reorganization bankruptcy.

Mr. Gilleland meets with clients Monday through Friday from 9:30 a.m. to 5:30 p.m. and evenings by special appointment. To take advantage of a free initial consultation, contact the firm online or call the Macon office at 478-742-3000.

L. Wayne Gilleland, Attorney at Law, is a debt relief agency. The firm helps people file for bankruptcy relief under the Bankruptcy Code.