Bankruptcy - A Financial Fresh Start

Are you a victim of relentless creditor harassment? Are you tired of repeated threats of foreclosure, wage garnishment and repossession? Are you in danger of losing your car or your home?

Warner Robins Bankruptcy Attorney Lynn Hamilton Johnson can help! Call 478-922-3889 today to schedule a free, professional, confidential consultation or use the contact form for questions or comments.

Lynn Hamilton Johnson has been providing effective legal assistance for more than 20 years for individuals seeking help with filing for bankruptcy and re-establishing their credit. From foreclosure to creditor harassment, Mrs. Johnson has the knowledge and experience to bring an end to the stress caused by crushing debt and pressure from debt collectors. We file your case electronically, ensuring immediate protection from harassing creditors, and a faster route to the financial freedom you desire and deserve.

Chapter 13 bankruptcy offers you the chance to restructure your debt and get a fresh start. And when you absolutely can’t repay your debt, Chapter 7 is a legitimate way to wipe out some or all of your debt. There is no reason not to take advantage of the options Congress has made legally available to you.

Our Bankruptcy Services Include Legal Representation for:

Foreclosure

The sluggish economy of the past few years and the mortgage loan crisis in our country has made foreclosure a real possibility for homeowners struggling to keep their mortgages current. Call Lynn Hamilton Johnson, attorney at law, and stop the process of foreclosure before it starts. And if your home is already in foreclosure, it's still not too late! Although you may fear your home may be lost to foreclosure, don't take what your mortgage company tells you at face value. You have options and rights under federal bankruptcy law and we can help.

Repossession

Losing your car, personal property, bank accounts or paycheck to aggressive creditors can have devastating consequences. Repossession may cost you your job, your livelihood, your marriage, even your health. Lynn Hamilton Johnson uses the federal bankruptcy laws to stop repossession, garnishment and attachments on your property. A bankruptcy filing will stop any repossession efforts and, in some cases, we may even be able to recover property that has already been repossessed.

Harassment

Creditor phone calls and letters are a constant reminder that your car payment, mortgage or credit card payments are late. If these letters are piling up and the threatening phone calls are coming more often, it's time contact Lynn Hamilton Johnson. When you file for bankruptcy, the court orders collectors to stop calling and sending you letters. This stay stops all repossessions, foreclosures, garnishments and any other collection efforts. And if, by chance, you still get calls, all you have to do is refer them to us. We will make sure they stop calling.

Wage Garnishment

Under federal law your employer may be court ordered to deduct a certain amount of money from your paycheck until a debt you owe is paid in full. Garnishments can make it difficult, or even impossible, to pay even your basic living expenses creating even more stress. Wage garnishments can also have a negative impact on your reputation, your credit score and your ability to open a bank account.  When you file for bankruptcy, an automatic stay is ordered that halts the garnishment and any other credit collections until the bankruptcy is completed and the debts are discharged.

Late Fees and Interest

If you are already in financial trouble, the last thing you need is more debt. Just like collection activity, all service fees, late fees, interest and other charges stop as soon as your bankruptcy petition is filed. Contact Lynn Hamilton Johnson today at 478-922-3889 to stop these expensive fees from adding to your troubles.

Call Lynn Hamilton Johnson, middle Georgia Attorney at Law, to set up an initial consultation to see if bankruptcy is right for you. If you have any other questions or comments, please use our contact form to contact the Warner Robins attorney directly.