Contact Information
The Schofield Law Firm
1524 Richmond Street
Brunswick, GA 31520
Map and Directions

Mailing Address
P.O. Box 389
Brunswick, GA 31521

Phone: 912-275-7018
Fax: 912-275-7019

E-Mail: contact@schofieldlawfirm.com

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Call now to schedule a free bankruptcy consultation. Regular office hours are Monday through Friday from 9 a.m. to 5 p.m. After-hours appointments are available upon request.
Old Glynn County Courthouse | Brunswick, Georgia
What to Expect
Overview | Terms | Chapter 7 | Chapter 11 | Chapter 13 | Why Hire an Attorney | What to Expect

The Initial Consultation: Paul recognizes that bankruptcy is not right for everyone, and that most people would like to avoid having to file if at all possible. That's why the initial meeting will not be a sales pitch to try and get you to file for bankruptcy. At this preliminary meeting you can discuss your financial situation to determine your best course of action. This will include a discussion of the types and amount of debts you have (credit cards, mortgages, medical bills, etc.), your goals (do you want to keep your house? your car?), your assets (sources of income, property, etc.), and any other considerations that may arise in your individual case.

After the Consultation: If you have decided that bankruptcy is your best option, you will need to gather various documents and information (pay stubs, tax returns, the amounts you owe to each creditor, etc.) that will be needed in preparing the documents that must be filed with the bankruptcy court. Once you have provided all of the necessary information, Paul will prepare the documents and schedule another appointment so that you can review and sign the documents.

After Filing: As soon as your bankruptcy documents are filed, the automatic stay will stop creditors from taking any collection actions against you. You will be required to attend a meeting of creditors (also called a "341 meeting"). At this meeting the trustee assigned to you case will ask you questions about your finances to make sure that the documents you signed accurately reflect your financial situation. Paul will help you prepare for this meeting and attend the meeting with you.

Next Steps: The next steps will depend on which chapter you filed under. In a chapter 7 case the trustee will sell your non-exempt property and distribute any proceeds to creditors. If no other issues need to be resolved, you will then receive a discharge of most of your debts, meaning they are eliminated. In a chapter 13 case you will need to appear in court at a confirmation hearing to approve your chapter 13 plan. If your plan is confirmed, you will make payments to the trustee for a period of three to five years, after which most of your remaining debts will be discharged.

After Bankruptcy: Although bankruptcy stays on your credit report for ten years, you can still work to rebuild your credit during that time. Once you have received your discharge, Paul can provide you with advice and information on how to rebuild your credit and set you on track for a better financial future.