Trusted Bankruptcy Attorney in Northwest Georgia
Bankruptcy Help That Works
REAL DEBT RELIEF FOR REAL PEOPLE IN NORTH GEORGIA
Are you working hard but still drowning in credit card bills, medical debt, or facing foreclosure? You're not alone - and you're not out of options. At Setters Law Office, we specialize in helping working professionals file bankruptcy with a job in Georgia and get the relief they need without losing everything they've worked for.
As the only bankruptcy attorney based in Ringgold, Georgia, Jack offers one-on-one, judgment-free legal help for clients throughout the Northwest Georgia area - including Dalton, Rossville, Chickamauga, East Ridge, and beyond. Whether you're looking for Chapter 7, Chapter 13, or other debt solutions, we'll walk you through your options so you can make the best decision for your financial future.
Local Bankruptcy Help That Works — Contact Jack Today
Because You Deserve a Second Chance.
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Why Work with Jack Setters, Attorney at Law?
Only Bankruptcy Attorney in Ringgold, GA
Jack isn't just nearby - he's part of your community. You won’t be shuffled through a big-city firm. You’ll meet directly with Jack, and he’ll handle your case from start to finish.
Local to NW Georgia
Based in Ringgold, Jack proudly serves Dalton, LaFayette, Calhoun, Chickamauga, Tunnel Hill, Trenton, Fort Oglethorpe, Rossville, Calhoun, and nearby areas with hometown care and commitment.
30+ Years of Legal Experience
With three decades in bankruptcy law, Jack guides clients through Chapter 7 and Chapter 13. Whether you're seeking a fresh start or restructuring debt, his experience helps you make informed decisions for the financial relief you deserve.
One-on-One Attention
You’ll work directly with Jack for personalized support, ensuring a consistent advocate for your best interests throughout the process.
Chapter 7 & Chapter 13 Bankruptcy Solutions Tailored to You
ELIMINATE DEBT OR CATCH UP ON PAYMENTS - WE'LL HELP YOU CHOOSE THE RIGHT BANKRUPTCY PLAN
Chapter 7
Chapter 7 bankruptcy helps individuals eliminate unsecured debt like credit cards, medical bills, and payday loans. It’s the fastest and most effective way to get relief. With the right exemptions, you may be able to keep your home, car, and essential property. Attorney Jack Setters can help you determine if Chapter 7 is right for you.
Chapter 13
Chapter 13 bankruptcy allows individuals with regular income to create a repayment plan that helps them catch up on payments and tax debt over 3 to 5 years. It’s ideal for those who want to avoid foreclosure or repossession while keeping their home, vehicle, and other assets.
Bankruptcy Process
Filing for bankruptcy in Georgia starts with a free consultation to review your debts and determine if Chapter 7 or Chapter 13 is right for you. From there, Attorney Jack Setters will guide you, and make the bankruptcy process clear and manageable from start to finish.
Bankruptcy Frequently Asked Questions
What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy is a type of debt relief that helps erase most unsecured debts, like credit cards and medical bills. It’s often referred to as a “fresh start” because it gives you the opportunity to move forward without the burden of overwhelming debt. In many cases, people are able to keep their homes, vehicles, and other important belongings.
What is Chapter 13 bankruptcy?
Chapter 13 bankruptcy involves setting up a 3- to 5-year repayment plan. It allows you to keep your property and catch up on things like mortgage or car payments while stopping foreclosures, repossessions, and wage garnishments.
Do I qualify for Chapter 7 or Chapter 13 bankruptcy?
That depends on your income, debts, and assets. Chapter 7 has a means test, and Chapter 13 is ideal if you have a steady income and want to protect certain assets. Call for a free consultation to find out which fits your situation.
Will I lose my house or my car if I file for bankruptcy?
Not necessarily. Many clients keep their homes and cars through exemptions or by filing Chapter 13. Attorney Jack Setters can help you understand your options and protect your property.
How much does it cost to file for bankruptcy?
Costs vary depending on the chapter and your case complexity. In some circumstances, if you quality, we offer a payment plan. Courts often accept structured pre-filing payments. We’ll explain how it works during your consultation.
Will bankruptcy ruin my credit forever?
No. Bankruptcy impacts your credit short-term, but most clients see improvements within 12 to 18 months. You can still qualify for car loans, credit cards, and even mortgages after rebuilding your credit.
Can I still rent an apartment after filing for bankruptcy?
Yes. Many landlords consider your current income and rental history more than your credit score. Having no debt can actually make you a more appealing tenant.
What documents do I need to file for bankruptcy?
You’ll need pay stubs, tax returns, a list of debts and assets, and recent bank statements. We’ll provide a full checklist during your intake to keep the process smooth and stress-free.
How do I find the best bankruptcy lawyer near me?
Look for an experienced, local bankruptcy lawyer in Ringgold, Dalton, or nearby who offers one-on-one support and has a proven record of helping clients navigate Chapter 7 and Chapter 13 filings.
Are there bankruptcy options for working professionals?
Absolutely. Bankruptcy laws allow full-time employees and professionals to file bankruptcy and still protect their job, paycheck, and property.
What does a bankruptcy attorney in Ringgold, GA do?
A bankruptcy attorney in Ringgold helps you evaluate your financial situation, explains your legal options under Chapter 7 or Chapter 13 bankruptcy, and guides you through filing, paperwork, and court representation.
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates most unsecured debt, like credit cards and medical bills, while Chapter 13 sets up a repayment plan to catch up on missed payments over 3 to 5 years. Your bankruptcy attorney can help you decide which is right for you.
What is the difference between a garnishment and a bankruptcy income deduction order?
A garnishment is a legal process allowing creditors to collect part of an employee's wages by requiring the employer to withhold money from their paycheck. The employer must comply, or they could be liable for the debt, even if the employee leaves. In contrast, a bankruptcy income deduction order is a court directive for the employer to deduct a specific amount from the employee's paycheck without making the employer liable for the debt.
Can I file bankruptcy if I'm employed?
Yes. In fact, many working professionals file every year. Your job does not disqualify you.
