Georgia Bankruptcy Alternatives

There are many Georgia bankruptcy alternatives that you may want to consider. Attorney Carolyn Karettis is experienced in bankruptcy law and can help determine the best solution for your specific situation.

Before you decide to file for bankruptcy, you should contact your creditors and try to work out payment arrangements that are comfortable for you both. In many cases, your creditors may reduce interest rates, remove late charges, or even extend your payment period.

Consumer credit counseling is yet another bankruptcy alternative that you may want to consider. A non-profit organization, the Consumer Credit Counseling Service has established relationships with many creditors across the United States, and can help create a repayment strategy that fits your budget. Be wary of any credit counseling services that charge excessive service fees, as these charges can actually increase the amount of debt you owe and worsen your situation rather than improve it.

Because credit counseling can often negatively impact your credit rating, many consumers opt to consolidate their debts into one loan. This is usually done through personal loans, credit card balance transfers, or home equity loans. Be advised, however, that this type of consolidation does not usually reduce the amount of debt you owe, but instead, consolidates all of your debts into a single monthly payment.

Although a debt consolidation loan may seem like a good solution for your situation, it can lead to additional problems, as many consumers take out a large loan to pay off their credit card debts, but then end up charging those cards back up later. When this happens, you’re left with a large loan payment as well as multiple payments to your credit card companies. In many cases, you may then be unable to make all of your monthly payments. If this happens and you borrowed against your home, you could even face foreclosure and risk losing your house altogether.

Before you decide to sign up for credit counseling or obtain a debt consolidation loan, you should first contact an experienced bankruptcy attorney. With over 10 years of legal experience, Carolyn Karettis is familiar with the ins and outs of Georgia bankruptcy alternatives and can work with you to determine an appropriate path for you. Call us today to schedule a consultation and learn more about your options.

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Cities, Counties, and Zip codes that we service:

Atlanta, Roswell, Alpharetta, Doraville, Smyrna, Marietta, Lawrenceville, Decatur, Chamblee, Clarkston, Powder Springs, Woodstock, Canton, Cumming, Gainsville, Jonsboro, Fayetteville, Kennesaw, Suwanee, Duluth, Carrollton, Douglasville, College Park, Forest Park, Riverdale, Union City, Mcdonough, Lithonia, Stockbridge, Peachtree City, Sandy Springs, Villa Rica, Conyers, Watkinsville, Newnan, Tucker, Lithia Springs, Covington, Flowery Branch, Austell, Hapeville, Athens, Auburn, Dacula, Stone Mountain, Avondale Estates, Holly Springs, Bowdon, Palmetto, Berkley Lake, Pinelake, Norcross, Fairburn, Buford, Senoia, Tyrone, Locust Grove, Sugar Hill, Oakwood, Lake City, Acworth, Adairsville, Adel, Alma, Alto, Americus, Aragon, Ashburn, Auburn, Bainbridge, Ball Ground, Barnesville, Baxley, Blackshear, Blairsville, Blakely, Blue Ridge, Bogart, Bonaire, Bowdon, Bremen, Brooklet, Brunswick, Buchanan, Butler, Cairo, Calhoun, Camilla, Candler-mcafee, Canton, Carnesville, Carrollton, Cartersville, Cedartown, Chatsworth, Chickamauga, Clarkesville, Claxton, Clayton, Cleveland, Cochran, Colbert, College Park, Colquitt, Commerce, Conyers, Cordele, Cornelia, Covington, Cumming, Cuthbert, Dahlonega, Dallas, Dalton, Danielsville, Dearing, Donalsonville, Douglas, Douglasville, Dublin, Duluth, Dunwoody, Eastman, East Point, Eatonton, Elberton, Ellijay, Evans, Fayetteville, Fitzgerald, Flowery Branch, Folkston, Forest Park, Forsyth, Fort Benning, Fort Oglethorpe, Fort Valley, Gainesville, Glenn, Glennville, Gray, Greensboro, Griffin, Grovetown, Guyton, Hahira, Hampton, Harlem, Hartwell, Hawkinsville, Hazlehurst, Hephzibah, Hiawassee, Hinesville, Hiram, Hogansville, Hull, Jackson, Jasper, Jefferson, Jesup, Jonesboro, Kingsland, Lagrange, Lakeland, Lake Park, Lavonia, Lafayette, La Grange, Leesburg, Lilburn, Lincolnton, Lithia Springs, Lizella, Loganville, Louisville, Ludowici, Lyons, Mableton, Madison, Manchester, Martinez, Maysville, Mcdonough, Mc Caysville, Mc Donough, Mc Rae, Metter, Midland, Midway, Milledgeville, Millen, Monroe, Montezuma , Monticello, Morrow, Moultrie, Nashville, Newnan, North Atlanta, Oakwood, Ocilla, Oxford, Pelham, Pembroke, Perry, Pooler, Quitman, Redan, Reidsville, Richmond Hill, Rincon, Ringgold, Rising Fawn, Riverdale, Rockmart, Rocky Face, Rome, Rossville, Roswell, Royston, Saint Marys, Sandy Springs, Senoia, Sharpsburg, Silver Creek, Social Circle, Soperton, South Augusta, Statesboro, Stockbridge, St Marys, Summerville, Sylvester, Tallapoosa, Tate, Thomaston, Thomasville, Thomson, Tifton, Toccoa, Trenton, Trion, Tucker, Tunnel Hill, Twin City, Valdosta, Vidalia, Vienna, Villa Rica, Warner Robins, Warrenton, Washington, Waycross, Waynesboro, West Augusta, West Point, Winder, Winston, Woodbine, Wrens, Wrightsville

Counties we service: Ben Hill, Bibb, Bulloch, Camden, Carroll, Catoosa, Clarke, Clayton, Cobb, Columbia, Coweta, Dawson, DeKalb, Dougherty, Douglas, Elbert, Fannin, Fayette, Floyd, Forsyth, Fulton, Glynn, Gordon, Gwinnett, Habersham, Hall, Henry, Houston, Laurens, Lee, Lowndes, McDuffie, Monroe, Newton, Oconee, Paulding, Richmond, Rockdale, Spalding, Tift, Troup, Walker, Wilkinson,

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30573, 30575, 30576, 30577, 30580, 30581, 30582, 30596, 30597, 30598, 30599, 30601, 30602, 30603, 30604, 30605, 30606, 30607, 30608, 30609, 30610, 30612, 30613, 30619, 30620, 30621, 30622, 30623, 30624, 30625, 30627, 30628, 30629, 30630, 30631, 30633, 30634, 30635, 30638, 30639, 30641, 30642, 30643, 30645, 30646, 30647, 30648, 30650, 30655, 30656, 30660, 30662, 30663, 30664, 30665, 30666, 30667, 30668, 30669, 30671, 30673, 30677, 30678, 30680, 30683, 30701, 30703, 30705, 30707, 30708, 30710, 30711, 30719, 30720, 30721, 30722, 30724, 30725, 30726, 30728, 30730, 30731, 30732, 30733, 30734, 30735, 30736, 30738, 30739, 30740, 30741, 30742, 30746, 30747, 30750, 30751, 30752, 30753, 30755, 30756, 30757, 30802, 30803, 30805, 30806, 30807, 30808, 30809, 30810, 30811, 30812, 30813, 30814, 30815, 30816, 30817, 30818, 30819, 30820, 30821, 30822, 30823, 30824, 30828, 30830, 30833, 30901, 30903, 30904, 30905, 30906, 30907, 30909, 30910, 30911, 30912, 30913, 30914, 30916, 30917, 30919, 30999, 31001, 31002, 31003, 31004, 31005, 31006, 31007, 31008, 31009, 31010, 31011, 31012, 31013, 31014, 31015, 31016, 31017, 31018, 31019, 31020, 31021, 31022, 31023, 31024, 31025, 31027, 31028, 31029, 31030, 31031, 31032, 31033, 31034, 31035, 31036, 31037, 31038, 31039, 31040, 31041, 31042, 31044, 31045, 31046, 31047, 31049, 31050, 31051, 31052, 31054, 31055, 31057, 31058, 31060, 31061, 31062, 31063, 31064, 31065, 31066, 31067, 31068, 31069, 31070, 31071, 31072, 31073, 31075, 31076, 31077, 31078, 31079, 31081, 31082, 31083, 31084, 31085, 31086, 31087, 31088, 31089, 31090, 31091, 31092, 31093, 31094, 31095, 31096, 31097, 31098, 31099, 31106, 31107, 31119, 31126, 31131, 31139, 31141, 31145, 31146, 31150, 31156, 31191, 31192, 31193, 31195, 31196, 31197, 31198, 31199, 31201, 31202, 31203, 31204, 31205, 31206, 31207, 31208, 31209, 31210, 31211, 31212, 31213, 31216, 31217, 31220, 31221, 31294, 31295, 31296, 31297, 31298, 31299, 31301, 31302, 31303, 31304, 31305, 31307, 31308, 31309, 31310, 31312, 31313, 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31722, 31723, 31724, 31725, 31726, 31727, 31728, 31729, 31730, 31732, 31733, 31734, 31735, 31736, 31737, 31738, 31739, 31740, 31741, 31742, 31743, 31744, 31745, 31746, 31747, 31749, 31750, 31751, 31752, 31753, 31754, 31756, 31757, 31758, 31759, 31760, 31761, 31762, 31763, 31764, 31765, 31766, 31767, 31768, 31769, 31770, 31771, 31772, 31773, 31774, 31775, 31776, 31777, 31778, 31779, 31780, 31781, 31782, 31783, 31784, 31785, 31786, 31787, 31789, 31790, 31791, 31792, 31793, 31794, 31795, 31796, 31797, 31798, 31799, 31801, 31803, 31804, 31805, 31806, 31807, 31808, 31810, 31811, 31812, 31814, 31815, 31816, 31820, 31821, 31822, 31823, 31824, 31825, 31826, 31827, 31829, 31830, 31831, 31832, 31833, 31836, 31901, 31902, 31903, 31904, 31905, 31906, 31907, 31908, 31909, 31914, 31917, 31993, 31994, 31995, 31997, 31998, 31999, 39901

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