Personal Bankruptcy

All of us face debt problems at one time or another but in today’s world it seems like small debt issues can grow into large debt issues with remarkable speed. In 2019, following a devastating recession and weak recovery, honest, hardworking men and women who never faced financial distress are now exploring options and seeking relief.  Perhaps you fall into this category:

• credit card issuers now demand larger minimum payments and if you should miss a payment, late charges and penalty interest rates are applied to your account
• if you fall behind with one credit card issuer, your other card issuers learn about your delinquency through the credit reporting agencies and they will hike your interest rates
• private debt collectors now work on behalf of the U.S. Department of Education and they are becoming increasingly aggressive when collecting federal student loan debt
• private student loan creditors are more likely than ever to file lawsuits
• vehicle lenders will move to repossess your car or truck if you fall behind more than 1 month
• mortgage lenders, who had put a halt to foreclosure actions, are now gearing up to restart their mortgage foreclosure sections
• collection agencies use sophisticated technology to locate your phone numbers, places of employment and assets
• thanks to relatively weak consumer protection laws, bill collectors aggressively pursue delinquent accounts

For many Atlanta area residents, personal bankruptcy can be an acceptable solution to unmanageable debt. Last year (2018) over 30,000 metro Atlanta residents turned to bankruptcy.  We invite you to take a few minutes to learn about the bankruptcy process and whether a Chapter 7 or Chapter 13 might be appropriate for you.

Why Ginsberg Law?

Ginsberg Law Offices has served the metro Atlanta area by providing confidential and compassionate bankruptcy services since 1997.  Our two bankruptcy lawyers – Jonathan Ginsberg and Susan Blum have over 30 years’ combined experience preparing, filing and following through with both simple and complex bankruptcy petitions.  We do not rely on legal assistants or paralegals to prepare documents or talk to clients – your interaction will be directly with Jonathan or Susan.

At Ginsberg Law you are never a number – we understand that the thought of filing bankruptcy may be confusing, embarrassing, terrifying and upsetting.  We never judge you and, of course, anything you reveal to us will remain 100% confidential.

Get Started with Personal Bankruptcy

We have developed a variety of online resources to help you learn more about the bankruptcy process, and to get started when you are ready.  Here is what we have for you:

• Comprehensive web site – atlanta-bankruptcy-attorney.com – here you can find dozens of organized and easy to understand articles about Chapter 7 and Chapter 13.
• Video channel – here, you can explore consumer bankruptcy topics in our growing video library. Most of our videos last 5 to 7 minutes, although a few run a little longer.
• Bankruptcy blog – Jonathan has been publishing the firm’s bankruptcy blog since 2005.  Here you will find answers to common and not so common questions we hear.
• Bankruptcy fast start – if you are ready to start the process, this site contains our new client questionnaire, a list of all the documents you need to get started and a link to credit counseling vendors.