AV Preeminent Peer Rated Attorneys
Cairo Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Cairo Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Cairo Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Silvis, Ambrose, Lindquist & Coch, P.C.

4.9
234 Reviews

  • Serving Cairo, GA

  • Law Firm with 5 lawyers3 awards

  • A Full-Service Law Firm Serving Georgia, Florida and Alabama -- We Partner With You

  • Bankruptcy LawyersPersonal Injury, Medical Malpractice, and 62 more

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Aaron J. Coch
Partner
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Thomas L. Lehman

  • 221 N. Broad St., Cairo, GA 39828-0156

The Law Office of Kevin S. Cauley, LLC

  • 732 N. Broad St., Ste. B, Cairo, GA 39828

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Looking for Bankruptcy Lawyers in Cairo?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
92 %

10 Client Reviews

PEER REVIEWS
4.4

19 Peer Reviews

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

Is there a way to know if the judge will accept a Chapter 7? How?

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Answered by attorney Ronald K. Nims (Unclaimed Profile)
Bankruptcy lawyer at Ronald K. Nims
You qualify for a Chapter 7 based on income. The "means test" is based on your state. In Ohio, a single personal can file Chapter 7 with an income under $44,000 per year. The test is based on your actual income for the past 6 months. So say a teacher who makes $60,000 a year but has zero income for the 3 summer months in September would qualify (last 6 months would have 3 months of $6,700 and 3 months of zero - monthly average would be $3,350 or $40,200 a year) but in April, they would not qualify. You qualify for a Chapter 13 by having a regular income (meaning you have income every month) and not more than $380,000 unsecured debt (like credit cards) or more than $1,150,000 of secured debt (mortgages and car loans).
You qualify for a Chapter 7 based on income. The "means test" is based on your state. In Ohio, a single personal can file Chapter 7 with an income under $44,000 per year. The test is based on your actual income for the past 6 months. So say a teacher who makes $60,000 a year but has zero income for the 3 summer months in September would qualify (last 6 months would have 3 months of $6,700 and 3 months of zero - monthly average would be $3,350 or $40,200 a year) but in April, they would not qualify. You qualify for a Chapter 13 by having a regular income (meaning you have income every month) and not more than $380,000 unsecured debt (like credit cards) or more than $1,150,000 of secured debt (mortgages and car loans).
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Can I file a chapter 7 bankruptcy to get rid of my second mortgage?

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Answered by attorney Asaph Orion Abrams (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Asaph Abrams
The current state of the law is that chapter 13's-not 7's-permit a procedure for "removal" of the lien pertaining to a second mortgage that is wholly unsecured. Chapter 7 will discharge your personal liability on the second mortgage, however, it will not remove the lien.
The current state of the law is that chapter 13's-not 7's-permit a procedure for "removal" of the lien pertaining to a second mortgage that is wholly unsecured. Chapter 7 will discharge your personal liability on the second mortgage, however, it will not remove the lien.
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Am I eligible to file a chapter 13 if I was discharged from one before?

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Answered by attorney William Monroe Rubendall (Unclaimed Profile)
Bankruptcy lawyer at William Rubendall Attorney at Law
You cannot receive a discharge in chapter 13 unless you file a subsequent case after 2 years from the date of discharge. If you are not eligible for a discharge you can still file a case. For example, if you have a secured judgment lien on your house or home arrears you can pay these debts in a subsequent chapter 13 without receiving a discharge of debts. Once the debts are paid the case will be closed.
You cannot receive a discharge in chapter 13 unless you file a subsequent case after 2 years from the date of discharge. If you are not eligible for a discharge you can still file a case. For example, if you have a secured judgment lien on your house or home arrears you can pay these debts in a subsequent chapter 13 without receiving a discharge of debts. Once the debts are paid the case will be closed.
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