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WHY WE OFFER DEBT SETTLEMENT
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Debt settlement saves clients money and gets them out of debt faster than making regular monthly payments
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We have seen the positive impact it can have on people’s lives. And studies back our observations.
According to the American Fair Credit Council, on average, debt settlement saves consumers $2.64 for every $1 in fees paid, and the average consumer sees savings of 30 percent on the original debt, including fees. This often results in consumers getting out of debt 10 or more years faster than they would have without debt settlement.
We are proud to offer this option because it provides economic relief, it does not require going to court where a public record is created, and it is a fair option that balances the needs of the struggling consumer with the creditor who leant the consumer money. However, there are other options that you can consider at any time.
The two main types of bankruptcy are Chapter 7 and Chapter 13. Chapter 13 involves a court-appointed trustee who creates a 3 to 5-year repayment plan that will pay your creditors some or all of what you owe. Both chapters require that you go to court, where the trustee will give your creditors an opportunity to question you. Chapter 7 is available to those who meet low-income requirements, called a means test. There is no repayment plan in Chapter 7. If you are eligible, the debts are eliminated. However, the court-appointed trustee can seize and sell your non-protected assets, such as your home, car or personal belongings, and use the proceeds to satisfy your creditors. If you are in bankruptcy Georgia’s homestead exemption only allows you to protect $10,000 of value in real estate or personal property, including a co-op, that you or your dependent uses as a residence. The vehicle exemption allows you to keep a car worth $3,500 or less. 44-13-100(a)(3). This exemption data was verified in September of 2021. You can read more about the exemptions at https://law.justia.com/codes/georgia/2010/title-44/chapter-13/article-2/44-13-100 .
Both forms of bankruptcy can eventually eliminate your unsecured debts. Bankruptcy, like debt settlement, will, in most cases, have an adverse impact on your credit score. Debt settlement is done privately (assuming your creditors do not sue you). Bankruptcy is done in court and leaves a permanent public record is created. You cannot file for relief under Chapter 7 if you have filed Chapter 7 bankruptcy within the past 8 years.
There are two ways to pass the bankruptcy Means Test in Georgia. First, you can qualify by demonstrating that your current monthly income (which is an average of all household income from the last 6 months) is less than the median income in Georgia for the size of your family— see the chart below. If your income is too high, there is still another option, which involves a comprehensive examination of your income and reasonable monthly expenses, which should be done by an attorney who specializes in bankruptcy. NewStartLegal does not specialize in bankruptcy or offer bankruptcy services. For more information about bankruptcy, you may wish to consider contacting a law firm that specializes in bankruptcy.
We do not offer credit counseling, and in general, believe it is not a good option for people who are having real financial difficulties. You can read more about it at: https://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor. If you have more questions about these options, please feel free to contact us.
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GEORGIA MEANS TEST – Updated May 2021
| Household Size | Monthly Income | Annual Income |
| 1 | $4,425.42 | $53,105.00 |
| 2 | $5,691.25 | $68,295.00 |
| 3 | $6,365.92 | $76,391.00 |
| 4 | $7,690.50 | $92,286.00 |
| 5 | $8,440.50 | $101,286.00 |
| 6 | $9,190.50 | $110,286.00 |
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NewStartLegal does not specialize in bankruptcy or offer bankruptcy services. For more information about bankruptcy, you may wish to consider contacting a law firm that specializes in bankruptcy.
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