Welcome to our blog. Our regular website is here. 

If you are serious about getting out of debt, Call us today.

Remember, doing nothing is expensive.

• Keep your house
• Keep your car
• Stop the harassing phone calls from your creditors
• Stop law suits and wage garnishments

and… Most importantly-  Put an end to your debt. If you are tired of losing sleep because of your financial problems, it‘s time to start over. Bankruptcy isn’t debt consolidation. It’s debt elimination. If you are experiencing any sort of financial hardship, whether it’s from credit card bills, medical bills, law suits, garnishments, foreclosures, repossessions, or even tax debt, we can help.

Give us a call at (706)868-1968 to learn more about your options.
 

Free Bankruptcy Consultations Available

Seymour & Associates is the number one recommended law firm for Augusta Bankruptcy. Our expertise in both consumer bankruptcy and debt elimination allows us to file more bankruptcy cases every year than any other Augusta bankruptcy attorney or law firm. Also, since we ONLY practice debt elimination law, our representation is highly specialized and we are one of the few tier one bankruptcy law firms in the entire Southeast. Please look around our informational site and call us if you would like to set up a free consultation. If you have any questions or concerns, please contact us here, or…

Call us today. (706)868-1968.

Get Serious. Get Seymour.

Augusta Bankruptcy Attorneys

$125 Off Attorney Fees if you call today. Also, our New Clients page is here.

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Top Augusta Bankruptcy Lawyers

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What separates us from other bankruptcy law firms in Augusta

1. Experience. With nearly three decades of experience in bankruptcy law alone, we know exactly how to put you on the road to a fresh financial start. Compare our experience to any other bankruptcy law firm or attorney in Augusta. (Why Experience Matters)

2. Fees. Our bankruptcy attorney fees are the lowest in Augusta. Why pay a fortune to get out of debt? We match any Chapter 7 fees in Augusta and we offer flexible payment plans for all types of consumer bankruptcy.

3. Representation. We offer the most professional bankruptcy representation in Augusta, guaranteed. Don’t wait until you get into the courtroom to find out you hired an inexperienced or carefree bankruptcy attorney to handle your case. Bankruptcy is one of the most complex areas of law in the United States, and that is why we dedicate our entire practice to handling only bankruptcy cases. This specialization has helped designate our bankruptcy law firm as the most highly qualified debt relief agency for individuals and families in the Augusta area.

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As Augusta’s most experienced bankruptcy law firm, the attorneys at Seymour & Associates PC focus their practice on Chapter 7 and Chapter 13 bankruptcy cases. Our services include bankruptcy representation, asset protection, debt relief, and credit repair, and we accept new clients from the following cities and counties in the Southern District of Georgia:

Augusta, Evans, Martinez, Hephzibah, Grovetown, Thompson, Waynesboro, Appling, Washington, Lincolnton.

Richmond County, Columbia County, Lincoln County, McDuffie County, Jefferson County, Burke County, and Wilkes County

. *Please note, though this website addresses Augusta bankruptcy, the above areas are all in the same district as Augusta (Southern), and therefore everything mentioned on this site about bankruptcy applies to these areas, as well.

New Beginning

Financial hardships occur for many reasons. However, regardless of whether you suffer from credit card debt, medical bills, law suits, wage garnishments, tax debt, or student loans, bankruptcy is an excellent option for anyone who needs to start over. Our Chapter 13 bankruptcy is great for individuals and families who wish to keep all of their property and pay back only a fraction of what they owe (sometimes as low as 1%). On the other hand, our Chapter 7 bankruptcy is ideal for anyone who cannot payback their debt, and whose property can be exempt under federal bankruptcy laws. As Augusta’s number one bankruptcy filer, our attorneys will help you decide which option is best for you. All you need to do is call us to set up a free consultation, and an experienced bankruptcy attorney will review your entire situation to determine the best way to help you gain a fresh new start.

Is Bankruptcy My Best Option?

Depending on your situation, bankruptcy may or may not be the right option for you.  Since the bankruptcy code is extremely complicated, it is best to speak with an Augusta bankruptcy attorney to learn how the bankruptcy laws apply to your specific situation.  After meeting with an attorney, you will understand more about your financial situation from a legal perspective and will be in a much better position to start the process of getting out of debt.

Types of Bankruptcy

There are several different types of bankruptcy. However, for consumers (individuals and families) in Augusta, Chapter 7 and Chapter 13 bankruptcy cases are the most common. A brief overview of each can be found below and a more in-depth analysis of these types of bankruptcy can be found from the navigation menu at the top of this page.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a common solution for individuals in Augusta who wish to eliminate their debt without a repayment plan. However, in Chapter 7 cases, the trustee has the option of liquidating, or selling, any nonexempt property in order to pay the creditors. Fortunately, Seymour & Associates guarantees to protect your property to the fullest extent as allowed by the Bankruptcy Code. In most cases, our clients keep ALL of their property while eliminating their unsecured debt.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is the one of the most common financial solutions for individuals and families in Augusta, GA.  In a Chapter 13 bankruptcy, the debtor repays all or a portion of their debt through a court-approved repayment plan. The attorneys at Seymour & Associates, PC are experienced in putting people in low percentage plans, usually repaying less than 20% of their unsecured debt. Furthermore, Real and Personal property are both protected under Chapter 13 bankruptcy, and individuals are debt free after 3-5 years.

Seymour & Associates, PC | Augusta Bankruptcy Lawyers

How do I file?

Consultation

The first step before filing your case is the initial consultation. While some attorneys in Augusta charge for the consultation, you can meet with an experienced bankruptcy attorney for absolutely free at Seymour & Associates, PC. If you are serious about getting out debt, there is no reason not to take advantage of this opportunity to speak with an attorney and learn about your options. With flexible appointment times and a dedicated legal staff to help you throughout the entire process, our Augusta clients can get out of debt quickly and efficiently.

Petition

If you decide that bankruptcy is right for you, the next step is to petition the court. The petition is a complex set of documents that are submitted to the Augusta bankruptcy court for filing. Since the paperwork is relatively complex for anyone who files bankruptcy, the process at other bankruptcy law firms in Augusta can take weeks. However, the legal staff at  Seymour & Associates can prepare all of the necessary paperwork in less than 2 days. In fact, our efficiency not only allows us to submit the cleanest petitions in Augusta, but it also allows us to file more bankruptcy cases than any other firm in the area.

Will I still get a Tax Refund if I file Bankruptcy?

In most cases, Yes. However, it is very important that you select an experienced Augusta bankruptcy attorney to handle your case. Otherwise, the IRS or State of Georgia could seize your refund. However, Seymour & Associates schedules tax claims in the original petition, so if you are entitled to a refund, you will receive it just like you normally would. This applies to most Chapter 13 bankruptcy cases in which past due taxes are to be paid in the Chapter 13 plan. Chapter 7 cases are a little different, but usually we can exempt the refund, allowing you to receive a full tax refund if one is due.

Can I Get a Loan Modification in Bankruptcy?

Yes. In fact, most mortgage companies are more willing to work with you after you file bankruptcy. Bankruptcy is meant to rebuild your credit, not destroy it, and by making the important decision to file, mortgage companies will often ask us permission to speak with you about modifying your loan. Check out the rest of our Frequently Asked Questions here. Also, be sure to schedule your Free Consultation today and get $125 off the already lowest attorney fees for bankruptcy in Augusta. . Click here to learn more about Augusta Bankruptcy

Where are you located?

Seymour & Associates is located right off  Wheeler Rd, near Doctor’s Hospital.  For directions, click the “Directions” tab from the menu below, or just click on the map.
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Augusta Bankruptcy Attorneys | Seymour & Associates, PC