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Bankruptcy Attorney in Fayetteville

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Your Trusted Bankruptcy Lawyers in Fayetteville, Georgia

I began practicing bankruptcy law in Fayetteville Georgia in 2003. While I was primarily a family law attorney, there were no other good bankruptcy attorneys in Fayetteville, Georgia at that time so I decided to add this practice area. Since that time I have represented numerous bankruptcy clients in Fayetteville, Georgia.

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Your Local Chapter 7 Bankruptcy Attorney in Fayetteville

As a bankruptcy attorney in Fayetteville Georgia I have a great deal of experience in Chapter 7 bankruptcy. This is not a bankruptcy mill run by paralegals , rather I provide individual attention to each client. The main issue today is the means test which determines whether you may file a Chapter 7 bankruptcy. If you have been told that you do not qualify, please make an appointment to discuss your Chapter 7 bankruptcy in Fayetteville, Georgia.

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chapter 7 bankruptcy attorney fayetteville ga
Tom Tierney

Contact Our Experienced Bankruptcy Lawyers in Fayetteville

I do not do Chapter 13 bankruptcies as they are almost always not in a client’s best interests today. Usually the attorney and the trustees get most of the money you pay into a plan as the payments are so high as to be unfeasible by a normal human. As a Chapter 7 bankruptcy attorney in Fayetteville, Georgia, I’ve seen numerous clients go from an all time low, being harassed by creditors and judgements, to freedom from debt and the road to repair their Credit. Call now for a free Consultation with a Bankruptcy lawyer in Fayetteville, Georgia.

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What Bankruptcy Can Do For You

Stop Creditor Harassment & Collection Calls
As soon as you file, an automatic stay goes into effect, and creditors must cease calling or sending collection notices.
Stop Wage Garnishments in Georgia
Georgia law requires an existing wage garnishment to stop as soon as your Fayetteville bankruptcy case is filed. Your full paycheck comes back while the case moves forward.
Protect Your Home From Foreclosure
If a foreclosure sale is already scheduled, filing can pause it. That pause buys time to look at real options for keeping your home instead of losing it at auction.
Get a Fresh Financial Start
A Chapter 7 discharge wipes out qualifying debt completely. Credit scores typically start climbing again within a year or two afterward, though the exact timeline depends on the rest of your financial picture.
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Chapter 7 Bankruptcy Process in Fayette County

Every Chapter 7 case in Fayette County moves through the same basic stages, from that first review of your finances through the discharge order that closes the case. Here is what each stage actually involves.

Free Consultation & Case Review
Your first meeting covers the numbers: what you earn, what you owe, and what you own. That review tells you and your bankruptcy lawyer whether Chapter 7 makes sense before you file anything.
Filing Your Case in Federal Court
Fayetteville cases are filed with the U.S. Bankruptcy Court for the Northern District of Georgia, Newnan Division, which covers Fayette County.
Automatic Stay Protection From Creditors
The moment your case is filed, an automatic stay takes hold. Lawsuits, phone calls, and most other collection efforts against you stop.
341 Meeting of Creditors
Roughly a month after filing, you will sit down with a trustee at a short creditors’ meeting to go over your paperwork. Your bankruptcy attorney sits beside you the whole time.
Debt Discharge and Financial Relief
Assuming no objections come up, the court issues a discharge of your qualifying debt roughly sixty days after that meeting.

Contact Tom Tierney Law to schedule your consultation and let our experienced bankruptcy attorney guide you toward financial relief today!

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Frequently Asked Questions – Bankruptcy in Fayetteville, GA

Can I keep my car if I file Chapter 7 in Georgia?
Most Fayetteville clients keep their vehicle through an exemption or a reaffirmation agreement. Which option applies depends on your loan balance and how much equity is in the car.
A Chapter 7 filing generally stays on your credit report for up to ten years. Even so, many people rebuild a workable credit score well before that report clears.
Yes. Most wage garnishments are stopped immediately when you file because the automatic stay begins the day you file your case. ​
Every case is different, so cost depends on how complicated yours turns out to be. Ask about fees and filing costs at your free consultation, and a bankruptcy lawyer will walk you through the numbers.
Chapter 7 discharges eligible debt completely, without a repayment plan. Chapter 13 is different in that it requires payments over three to five years. This firm handles Chapter 7 cases and can help you figure out if that’s the right course of action for your case.