Chapter 7 Bankruptcy

''While many lawyers will offer you  free consultation, no lawyer will give you their cell phone number and tell you to call anytime.  I take a limited number of cases each month and work every case myself. I am available to you anytime during the day, evenings and weekends."             

We are not a 'bankruptcy mill', a large firm where you have to discuss your case with a new attorney/paralegal each time.  I will be with each client every step of the way until they are discharged and can begin to live normally once again.

Filing for bankruptcy is not an easy decision, and not everyone who is in debt should file, but many people have such overwhelming debt that filing is the only answer. If you have overwhelming debt, let me help. You may be able to eliminate almost all of your debt while keeping you assets. No more harassing phone calls, no more collection letters; lawsuits will be dismissed and garnishments are stopped.

Please call for a free consultation at our office on Johnson Ferry Road

It's time for a fresh start. 404 333 5009

Chapter 7 - Getting A Fresh Start

Chapter 7 bankruptcy, also called liquidation, is the most common type of bankruptcy and completely eliminates your dischargeable debt forever. Individuals who are granted Chapter 7 bankruptcy have proven to the court that they have no realistic way to repay their debt over the course of the next three to five years.  When Chapter 7 is awarded, the debtor is legally excused from having to repay any unsecured debts, and most debtors are able to keep all properties. Typically it takes a total of three to four months for a Chapter 7 bankruptcy case to be filed and discharged.

Certain types of debts cannot be cleared through Chapter 7 bankruptcy including school loans, child support, alimony, taxes, and personal injury damages.

Chapter Seven Timeline

The Blue flowchart represents the course of a typical Chapter 7 Bankruptcy case from the initial client interview through discharge.  Most Chapter 7 Bankruptcy Cases take between three and a half to four months from Filing until Discharge.  Case complexities and variables may extend the process.


Bankruptcy processing time varies from case to case, depending upon the size, nature and complexity of the case.  However, most cases are processed and ready for filing within two to three weeks from submission of the completed Homework Packet. 

Proof of Income
Clients who have turned in their completed Homework Packet must continue to send in paystubs or evidence of income to the attorney up until the date their case has officially been filed with the United States Bankruptcy Court.

Emergency Filings

Emergency Bankruptcy Filings can usually be filed instantly and at virtually any time to stop creditors before a foreclosure, wage garnishment, or lawsuit can take place.  

Kuttner & Associates

If you're facing criminal charges, you may be frightened and intimidated at the prospect of getting lost in an impersonal system with potentially devastating consequences for your freedom, career, reputation and finances. Make sure you know who you're hiring.

Contact Us Today

Available and accessible around the clock One complaint heard so often by folks who have retained counsel is that lawyers are hard to reach and never return emails or phone calls.This is not the case with me. One promise I can make is that I am responsive — and not just during the normal business hours. If you email me, call me or just want to talk.

Kuttner & Associates
1229 Johnson Ferry Road, Suite 204-A
Marietta, GA 30068
(404) 333-5009
(678) 960-5252 (fax)