Bankruptcy
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Bankruptcy: An Overview

When you need to erase debt that you incurred primarily from buying goods or services, known as consumer debt, we can help. Attorney James M. “Jack” Setters is one of a small percentage of attorneys statewide who is board-certified in consumer bankruptcy law. At the law firm of James M. Setters, Attorney at Law, we can help you consolidate or get rid of your debt altogether. We have helped clients throughout Georgia. Together we will go through your liabilities to determine if bankruptcy is in your best interest.

Working Together To Find A Solution

When you are being harassed by creditors through the mail and on the phone, this causes a lot of stress. Once you file your bankruptcy, creditors must leave you alone and settle within the court system. We have experience in many types of bankruptcy, including Chapter 7, or liquidation bankruptcy, and Chapter 13, or reorganization bankruptcy. When you are getting ready for your initial consultation, we recommend that you bring the following information:

  • Records of your previous two months of income
  • All information you have regarding your creditors, including bills you have received
  • Income tax returns for the most recent year
  • Ninety days’ worth of statements from all of your bank accounts
  • Any letters you have received regarding court matters due to the nonpayment of debt
  • A copy of your credit report

The more information you can provide at your initial meeting, the better Jack will be able to assess your current financial situation. The clearer you are about your debt picture, the easier it will be to help you get back on your feet and recover from overspending. To learn more about your options, you can refer to our FAQ page.

Don’t Wait Any Longer; Call Today

There is no reason for you to have to suffer under the stress of debt. The economy has taken a severe blow from the Covid-19 pandemic. The worldwide shut down of businesses has made an impact far and wide. If you find yourself overwhelmed with debt, that’s what we are here for. With years of experience dealing with bankruptcy claims, we will make the process go as smoothly as possible for you. Contact our office in Dalton at 706-529-4783 or in Ringgold today at 706-965-5220 or fill out our contact form.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.