Get relief from overwhelming debt. Chapter 7 fresh start or Chapter 11 reorganization. Compassionate, experienced representation.
Personal financial crisis can strike anyone—illness, job loss, divorce, or simply accumulated debt can create overwhelming financial obligations. If you're struggling with medical bills, credit card debt, loan obligations, or other burdensome debts, bankruptcy can provide a fresh start and genuine financial relief.
At Rountree Leitman Klein & Geer, LLC, we represent individuals throughout Atlanta and Georgia who are ready to take control of their financial futures. We understand the stress that debt creates and work compassionately and strategically to help you understand your options and achieve a sustainable financial outcome.
Chapter 7 is the most common bankruptcy option for individuals. In a Chapter 7 case, you file a petition listing all your assets and debts. A trustee is appointed to review your case. Certain non-exempt assets may be liquidated to pay creditors, but most individuals find that their exempt assets—including their home, car, retirement accounts, and household goods—remain protected under Georgia law.
More importantly, Chapter 7 provides a discharge: a court order that legally eliminates your personal liability for most unsecured debts, including credit card balances, medical bills, personal loans, and payday loans. Once discharged, creditors cannot pursue collection against you for those debts.
For individuals with limited income, Chapter 7 offers a true fresh start. The process typically takes 4-6 months, after which your debts are eliminated and you can begin rebuilding your credit and financial stability.
While Chapter 11 is typically associated with businesses, it's also available to individuals with high income or significant assets. In a Chapter 11 personal case, you keep your property and pay debts through a court-approved repayment plan over 3-5 years. Chapter 11 is more complex and expensive than Chapter 7, but it may be appropriate if your income exceeds Chapter 7 limits or if you have assets you wish to protect that wouldn't be exempt under Chapter 7.
Our attorneys help you understand whether Chapter 11 might serve your situation better than Chapter 7 or Chapter 13.
One of the most important aspects of personal bankruptcy is asset protection. Georgia law provides exemptions that protect much of what matters most to you:
Our attorneys ensure you understand what you can protect and structure your case to maximize those protections.
The moment you file for bankruptcy, the "automatic stay" takes effect—a court order that halts most creditor collection efforts immediately. Creditors cannot call you, send collection letters, file lawsuits, or pursue garnishment. For many people, this immediate relief from constant creditor contact is one of bankruptcy's most valuable benefits.
While we handle some Chapter 13 cases for our Atlanta clients, this chapter—which involves a 3-5 year repayment plan—is not our primary focus. Chapter 13 can be appropriate in certain circumstances, such as when you're behind on mortgage payments and want to catch up through a repayment plan. If Chapter 13 is right for your situation, we'll advise you directly.
Bankruptcy isn't failure—it's a legal tool designed to help people recover from financial hardship. Most individuals emerge from bankruptcy with improved credit, eliminated debt obligations, and a clear path to financial stability. We guide you through the entire process, from initial consultation through discharge, ensuring you understand every step and protecting your interests.
If you're drowning in debt and need relief, contact our office in Atlanta to discuss your situation. We'll evaluate your circumstances, explain your options, and help you understand what a fresh financial start looks like for you.
Our compassionate bankruptcy attorneys are ready to help you regain financial stability. Schedule a confidential consultation today.
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