Bankruptcy
How you came to consider filing for bankruptcy is unimportant. Our concern is answering your questions and helping you decide if bankruptcy is the best answer to your debt problems. While the decision to file bankruptcy should not be taken lightly, it is sometimes the best way to start over. If you decide bankruptcy is right for you, we will guide you through the bankruptcy process as your counsel. Find out if bankruptcy is the best answer to your debt problems. Contact the Remboldt Law Firm, LLC at 404-348-4081 to schedule a free consultation. When dept becomes overwhelming, if can affect all parts of ...
Chapter 7
A Chapter 7 bankruptcy is sometimes called "liquidation" bankruptcy because it cancels most types of debts. In Georgia, 91% of people who file bankruptcy, file under Chapter 7. During a Chapter 7 bankruptcy the trustee of the court liquidates your non-exempt property and distributes the proceeds to your creditors. You get to keep your exempt property. For a Chapter 7 bankruptcy, you will file a petition for bankruptcy. You will also need to file a few additional document within 15 days. These additional documents include: a list of your creditors, a list of your assets, debts, income, and financial transactions prior ...
Chapter 13
A Chapter 13 Bankruptcy is often a great way to catch up on payments when you have gotten behind. In a Chapter 13 bankruptcy, you enter into a court-approved plan to pay down or catch up on your debts over three to five years. As part of the plan, you will be required to apply all your disposable income to your bankruptcy court approved plan. To file for Charter 13 bankruptcy you fill out the same forms as in a Chapter 7 in addition you must bring: your most recent tax return show you were current on your taxes for the last ...
Bankruptcy Topics
It you are considering bankruptcy, you have many decision to make, and likely also many questions. CJ and the Remboldt Law Firm, LLC will take the time to explore your options and alternatives, identify strategies and help you pursue your objectives. Whether you want to prevent foreclosure, stop creditor harassment or end mounting credit card and medical debt, we can provide the counsel and assistance you need to secure a stable financial future. In the mean time, following the links below will give you some general information to consider. Property Exemptions Credit Counseling The Automatic Stay The Trustee Meeting of Creditors If you are considering bankruptcy, please call ...
Automatic Stay
Often people filing for bankruptcy have faced weeks, months, or even years of harassment from creditors demanding payment and threatening lawsuits and collection actions. Bankruptcy puts a stop to all their actions. Filing your bankruptcy petition instantly created a federal court order (called an “Order For Relief” also know as the “automatic stay”) The automatic stay requires your creditors to stop all collection efforts. So, at least temporarily, most creditors cannot call you, write dunning letters, garnish your wages, empty your bank account, go after your car, house, or other property, or cut off your utility service or welfare benefits. ...
Exemptions
Whether you are considering a Chapter 7 or a Chapter 13 bankruptcy, certain kinds of property are exempt from creditors, each state has their own list of exceptions, some common bankruptcy exemptions in Georgia are (per person): $10,000 equity in your home $3,500 equity in a motor vehicle $5,000 of clothing and household goods $600 plus any unused amount of the home exemption (up to $5,000) to protect any other property $1,000,000 of funds in a 401K, IRA or other ERISA qualified retirement plan $500 of Jewelry $1,500 of tools of the trade If you are interested in learning more about bankruptcy and property exemptions, Contact CJ and ...
The Trustee
After filing for bankruptcy, the bankruptcy court exercises control over your property and debts by appointing an official called a “trustee” to mange your case. Your trustee’s name and contact information will be in the official notice of filing you receive in the mail several days after you file your petition. The Trustee will examine your papers to make sure they are complete and look for property to sell for the benefits of your creditors. The trustee’s primary job is to see that your creditors are paid as much as possible. The trustee is mostly interest in what you own ...
The Firm
Law Firm Overview After a successful thirty year career in leadership positions at some of the world’s largest corporations, Cynthia "CJ" Remboldt changed her professional direction to pursue the life long dream of becoming an Attorney. After law school she established the Remboldt Law Firm, LLC and concentrates her practice exclusively on Family Law and Bankruptcy matters. She advises clients primarily on Divorce, Chapter 7 & Chapter 13 and Bankruptcy matters. Bankruptcy Law The Remboldt Law Firm, LLC is located in the heart of East Cobb County, GA. One of the factors that set Ms. Remboldt apart from other bankruptcy law practitioners is ...
Contact
Life has a way of surprising us, sometime when we are least prepared! Contact CJ and the Remboldt Law Firm to discuss any question you may have about your financial options and bankruptcy. Location and Driving Directions Remboldt Law Firm, LLC 2870 Johnson Ferry Road Suite 300 Marietta, GA 30062 404-348-4081
Resources
Georgia Bankruptcy Resources Federal Court Locations Richard B. Russel Federal Building and Courthouse - Directions Rome Federal Court - Directions Gainesville Federal Court - Directions Credit Counseling & Debtor Education Information Agencies Approved by the US Trustee Consumer Credit Counseling Services Organizations National Association of Consumer Bankruptcy Attorneys American Bankruptcy Institute Georgia Bar Association American Bar Association
Credit Counseling
Before you can file for a Chapter 7 or Chapter 13 bankruptcy, you must consult with a nonprofit credit counseling agency. The purpose of the consultation is to see whether there is a way to pay back your creditors outside of bankruptcy, without adding to what you owe. You must show that you received credit counseling from an agency approved by the U.S. Trustee’s office within the 180-days period BEFORE you file a Chapter 13 or Chapter 7 bankruptcy. For a list of approved counseling programs go to the U.S. Trustee’s website at www.usdoj.gov/ust and click on “Credit Counseling & Debtor ...
Meeting of Creditors
After you file your petition, you will receive a notice of the date of the creditor’s meeting shortly after you file your Chapter 7 or Chapter 13 bankruptcy papers. This meeting is typically held somewhere in the courthouse or federal building (but almost never in a courtroom). The trustee runs the meeting and, after swearing you in, may ask you questions about your bankruptcy and the documents you filed. For example, the trustee might ask how you arrived at the value you assigned to an item or property listed in your petition, whether you have given anything away in the ...
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Remboldt Law Firm, LLC
2870 Johnson Ferry Road
Marietta, GA 30062
404.348.4081 · Email
Map and Directions
Payment Plans Available
All bankruptcy attorneys are required to disclose that we have been designated by Congress as "debt relief agents" and that we help people file for bankruptcy relief under the United States Bankruptcy Code.
Remboldt Law Firm, LLC
2870 Johnson Ferry Road
Marietta, GA 30062
404.348.4081 · Email
