The stress of being unable to meet your financial obligations can become severe, leading to sleepless nights, mental exhaustion, emotional turmoil, and the deterioration of your health and personal relationships. Not knowing where to turn or how to handle overwhelming debt can leave you feeling hopeless about the future.
All of that can change with sound legal advice and an understanding of the financial solutions established and available under state and federal law. At the Law Offices of Mark A. Bandy, PC, we are here to help you understand the options you have in the face of crushing debt. We offer more than 20 years of experience, a passion to serve, and a personal one-on-one approach where you will always work directly with an attorney.
All of that can change with sound legal advice and an understanding of the financial solutions established and available under state and federal law. At the Law Offices of Mark A. Bandy, PC, we are here to help you understand the options you have in the face of crushing debt. We offer more than 20 years of experience, a passion to serve, and a personal one-on-one approach where you will always work directly with an attorney.
Services
Bankruptcy
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We offer free consultations, weekend, after-hour, and virtual appointments for your convenience. We are accessible to our clients and are here to answer all questions throughout the process. When you retain us you can rest assure you will receive excellent representation and the best possible outcome.
Chapter 13
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Chapter 13 bankruptcy is called the reorganization type of bankruptcy. Your debts can be reorganized and, as in a Chapter 7, at the end of the process, unsecured debt such as credit cards, medical bills, personal loans, and more will be discharged. Unlike a Chapter 7, however, a Chapter 13 can also help you catch up on mortgage, vehicle, or other secured debt during the plan's process.
Wage Garnishments
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Many individuals and families live paycheck to paycheck which means any interruption in the income received through those paychecks can have a huge negative impact. Wage garnishments generally consist of court orders that direct an employer to withhold a certain amount of money from your wages to satisfy a judgement against you for unpaid debts.
Repossession
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The threat of losing your car can lead to major pressure and worry. All of us depend in a significant way on our vehicles. Cars are essential to individuals and families throughout the cities and states of this country. Having to depend on public transportation or the generosity of family or friends can be time-consuming, and bothersome to all parties.
Foreclosure
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If you've fallen behind on your home mortgage, a Chapter 13 bankruptcy may be the best way to give you the opportunity to catch up on your delinquent mortgage payments. The cost of housing in Savannah and the surrounding areas has increased over the past several years and, in many cases, your monthly mortgage payment may be less than the cost of renting an apartment.
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