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How Long Does It Take Before Your Debts Are Discharged Atlanta, GA

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How Long Does It Take Before Your Debts Are Discharged?

Understanding How Soon You Can Wipe Out Your Debts in Bankruptcy

Two of the main benefits of filing bankruptcy are an automatic stay that prevents your creditors from pursuing debt collection actions against you and a discharge that permanently wipes out debts you cannot afford to pay back. While the first benefit comes immediately, the second takes a little longer.

At the Atlanta metro area law firm of Gingold & Gingold LLC, we are committed to helping clients get their debts discharged as soon as possible. We can advise you on how long it will take before your debts are discharged based on which bankruptcy chapter you file under.

  • If you file Chapter 7 bankruptcy , you will get your discharge as soon as the legal process is complete. When you file, the court will schedule a hearing within about one month, and as long as that hearing goes well (which is where the help of an experienced bankruptcy lawyer comes in), you will get your discharge in the mail about two months later.
  • If you file Chapter 13 bankruptcy , your debts will be placed on a three- to five-year repayment plan (depending on your income and other factors), and some of your debts may be reduced as a part of this plan. As long as you make all of your plan payments on time, you will get your discharge once you have completed the repayment plan.

Between the day you file bankruptcy and the day you get your discharge, nobody can try to collect on your debts without the permission of the bankruptcy court. That being said, the sooner you get your discharge, the sooner you can start rebuilding your credit.

Discharging Debt in Bankruptcy · Contact Us for a Free Initial Consultation

Our firm is made up of two experienced Georgia bankruptcy lawyers: Ira D. Gingold, who has been a bankruptcy attorney since 1971 and Court-appointed Bankruptcy Trustee from 1971-2013, and Jamie L. Gingold, who has been practicing bankruptcy, business and real estate law since 2001.

To discuss what we can do to help you wipe out your debts, contact us today at (404) 685-8800 or by e-mail to schedule a free initial consultation.

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Our Client Reviews

Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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