Bankruptcy FAQ
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Questions We Are Frequently Asked About Bankruptcy

At the law firm of James M. Setters, Attorney at Law, we have been providing bankruptcy advocacy for clients throughout northwestern Georgia for more than 25 years. Our founding attorney, James M. “Jack” Setters, is one of the very few bankruptcy attorneys in Georgia who is board certified in consumer bankruptcy law.

Here are brief answers to questions we are often asked. For more information and answers to other questions, call our office in Dalton at 706-529-4783 or in Ringgold at 706-965-5220 to schedule a free consultation.

Once Garnishment Starts, Will Filing For Bankruptcy Stop It?

State law limits the amount a judgment creditor can garnish or take money from your paycheck through a court order. Oftentimes, any amount out of your wages can seem like too much. It is never too late to stop garnishments. Filing for bankruptcy puts what is known as an automatic stay on collection actions, including most garnishments.

Can I Get My Car Back If It Has Been Repossessed?

If you act quickly, you may be able to get your car back from the title owner who repossessed the vehicle. If you can show within 10 days of repossession that you will be able to continue making payments again on your car loan, you may be able to get your car back.

If I Filed For Chapter 7 Bankruptcy Two Years Ago, Can I File Bankruptcy Again?

You may not file for Chapter 7 more than once every eight years. However, if you find yourself heavily burdened with debt, you are not stuck. You may be able to explore other debt relief options including filing for Chapter 13 bankruptcy.

Is Filing For Bankruptcy Going To Ruin My Credit For Life?

No. Most people looking into bankruptcy are already contending with bad credit. Filing for bankruptcy will clear the slate of consumer debt from credit cards, medical debt and other bills. Upon discharge of your debts through bankruptcy, it will take time, but you will be able to begin building a good credit record again. It is important to keep in mind that, with rare exceptions, you will not be able to discharge some debts such as past-due child support, IRS taxes, and student loans.

Will I Ever Be Able To Buy A House Or Car Again?

The short answer is yes. There are methods of building good credit after filing for bankruptcy, and in time, you may be able to qualify for a car loan or a home loan mortgage.

Can My Employer Fire Me For Filing Bankruptcy?

No, your employer cannot legally fire you if they find out you have filed for bankruptcy.

Call An Experienced Bankruptcy Attorney Today

Bankruptcy laws are complex, and you want to be sure if you are filing for bankruptcy, you get it right the first time you file. Otherwise, you risk having to wait years to file again. Call the law office of James M. Setters, Attorney at Law, in Dalton at 706-529-4783 or in Ringgold at 706-965-5220 to schedule a free consultation. You may also reach our team online.

We are a debt relief agency. We help people file for bankruptcy through the U.S. Bankruptcy Code.