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CHERNEY LAW FIRM
HELPING YOU GET BACK ON YOUR FEET
Why Choose Our Woodstock and Cherokee County Bankruptcy Law Firm?
You have one chance to get it right when filing Bankruptcy. Do not risk it with an inexperienced lawyer or paralegal. With years of legal experience, we have what it takes to properly represent you.
Do not sacrifice experience for cheap representation. We will work with you to create an affordable Bankruptcy plan based on your individual needs.
Sometimes you can't afford to wait. When garnishments or levies are leaving you in a tight spot, we will act fast to help get you the relief you need.
This is a critical time for you. You don't want to be passed off to an office assistant. You will develop an important relationship with our law firm as we guide you through the Bankruptcy process.
With experience comes results. We will deliver on our promises and represent your best interests at all times.
Let’s be honest, considering whether or not to file for bankruptcy is not a predicament one expects to be in. In fact, most people never even consider bankruptcy as a viable option. Generally, this is because people don’t know a thing about bankruptcy. One’s negative financial circumstances are usually the result of an unforeseen event; perhaps it is unemployment, underemployment, personal injury or illness. Overwhelming debt can also be the result of ridiculously high interest rates charged by creditors; not to mention finance charges.
Regardless of what brought you here to my website, let me help you during this time. Let me meet with you and discuss your options. There are options, and you are not alone. I have nearly 15 years of experience dealing solely in bankruptcy and debt related matters. I have practiced in the federal courts in both Illinois and now here in Georgia. You can begin to take some comfort in knowing that I can help you secured a second chance at financial freedom.
I am devoted to assisting you get back on your feet. My job is to relieve the stress associated with too much debt. I will help you prevent home foreclosure, vehicle repossession and help you get back to being your best financial self.
I am available Monday-Friday and I offer evening and weekend appointments. While I understand you may be intimidated by the bankruptcy process, I assure you that I with you every step of the way. Schedule an appointment with me. You can Contact my office by any of the following methods:
Bankruptcy IS a way out. Here at Cherney Law Firm, I understand the stress caused by debt. Past testimonial prove the level of dedication and care I give to each client.
I have personally handled thousands of personal bankruptcy cases, providing strong solutions for people in Woodstock and all surrounding cities in Georgia. Read the following review I received from a previous client:
“Cherney Law Firm is a class act. Not knowing any law firm, I was delighted to find Matthew Cherney. He was easy to talk to, never felt uncomfortable discussing my situation. Everything went exactly as he said. I would highly recommend his services to anyone that finds themselves in a hopeless financial situation.” – Betty R.
My compassion and understanding towards your difficult financial situation is completely heartfelt. My largest goal is to help you get back on your feet. I am available Monday through Friday, and I offer weekend appointments. You can feel confident that nothing comes before you and your financial well-being. Put an end to harassing creditors and overwhelming debt, and hire a Woodstock, GA and Cherokee County bankruptcy lawyer such as Matthew Cherney. He is invested in your best interest.
Sadly, many people believe that bankruptcy is something for which they should be ashamed. They may feel as if they will be judged by others. A majority of individuals file bankruptcy as a result of an unforeseen and/or unavoidable circumstance. It could be a result of medical bills related to an illness, a period of unemployment, current underemployment. The point is that bankruptcy is far more common than you might think, and there is nothing shameful in taking back control of your financial situation. This could mean a fresh start, or it could mean a reorganization of your debt.
After a free consultation, I will advise you of your options. This may be bankruptcy, or some other debt relief alternative.
if you’ve researched the bankruptcy process, you’ve no doubt heard of the “means test.” The means test does two things: 1) it determines an individual’s eligibility for Chapter 7; and 2) if he or she does not qualify for Chapter 7, the means test establishes what they are required to pay back in Chapter 13.
This is required by the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005. It is a pre-requisite to filing bankruptcy and must be conducted by a certified credit counselor.
I will prepare all of the paperwork. This includes your petition, schedules (related to income and expenses) and all related documents. I will also complete your means test. This will determine which chapter of bankruptcy you can file under (Chapter 7 vs. Chapter 13). Remember, I do everything I can to make this process as smooth as possible. I will pull your credit report to obtain your creditors. I will be with you every step of the way.
After your bankruptcy case has been filed, you will have a creditor meeting. If you filed a Chapter 7 bankruptcy, the timeline for discharge (the legal court order extinguishing your responsibility on your debt) is approximately 4 months. If you filed a Chapter 13 bankruptcy, the timeline for discharge is 3-5 years. I will recommend either a Chapter 7 or Chapter 13 bankruptcy based largely upon what you qualify for, and what your ultimate goals are related to any property that you may intend to keep.
Failure to complete any part of this process properly will result in a significant setback, and could create significant legal problems. A knowledgeable Woodstock debt relief lawyer, who has been through the bankruptcy process in Georgia thousands of times, can help. Speak with me about your case before choosing to do anything on your own.
You are required to go to this meeting and you will be expected to answer a number of questions from both the trustee and creditors related to your financial situation.
Each Chapter of bankruptcy is different. In Chapter 7, you can expect to receive a discharge in approximately ninety (90) days form the date of your creditors’ meeting. In Chapter 13, you will be required to pay back a portion of your debt over three to five years.
While this sounds straightforward, the process is far more involved. Failure to complete a form properly may cause a significant setback in our case. Without the knowledge of a Woodstock, GA and Cherokee County bankruptcy lawyer, who has counseled people in in the bankruptcy process for years, you can become quickly frustrated. Speak with me prior to doing anything on your own. It will end up saving you time and money in the long run.
Chapter 7 is essentially a complete bankruptcy. You are telling your creditors that you are unable to pay back your debt. Any un-exempt assets that you have may be liquidated to pay your debt.
Chapter 13 is a reorganization. It is designed for people who may not qualify for Chapter 7, or who may be trying to protect an asset like a home or car.
While bankruptcy might seem intimidating, consider the relief you will feel. Filing bankruptcy will put an end to creditor harassment. Do not simply assume that you do not qualify for bankruptcy. This could mean a fresh start, or a reorganization of your debt.
To learn how a Woodstock, Georgia and Cherokee County bankruptcy attorney can assist you with filing for bankruptcy, contact Cherney Law Firm today.
I offer a free, in-person, consultation, Please do not hesitate to contact my office. Let me work with you to put a stop to creditor harassment. Let me help you protect your home, car and other meaningful assets. You can rest assured that I understand what you are going through. I understand that your future is on the line, and I will employ all of my years of experience to obtain a favorable outcome for you and your family. You can Contact my office by any of the following methods:
Cherney Law Firm can provide you with experienced, legal representation for all debt related matters. Whether you need bankruptcy representation, or need help negotiating or settling a debt, Cherney Law Firm is ready to help you today.
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