Lee Legal Bankruptcy Decatur, Stone Mountain, Lawrenceville, Convington

LEE
LEGAL
CLINIC
at I-285 /
Covington Hwy
__________
Established
1979

WHY YOU
SHOULD
CALL LEE
LEGAL
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Peddling
Relief.

How Debt
Settlement
Can Put
You Even
Deeper in
the Hole.
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REBUILDING
CREDIT
AND YOUR
CREDIT RATING
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CHAPTER 13 - Pro and Con.
Pro:

You make payments to your 'repayment plan' every month. The bankruptcy court appoints a Chapter 13 Trustee to receive these payments and pay them out to your creditors.
Most Chapter 13 cases can be filed for only the $75 upfront. Attorney fees are paid with the creditors each month.
Chapter 13 payments are based on the amount of debt that you are paying in the case, and the amount of debt that is being wiped out.
Wipes out charge card debt.
Wipes out some taxes.
Allows you to surrender house and walk away from mortgage.
Allows you to surrender other property and walk away from the debt.
Stops suits and garnishments.
Stops foreclosure.
Stops repossession.
Stops tax, child support and student loan collection.
Repay past due mortgage payments.
Repay past due rent to own lease.
Repay past due child support.
Repay student loans.
Repay taxes that are less than 3 years old.
Wipe out taxes that are older than 3 years.
Protect co-signers.
Reduce interest on auto loans.
Reduce balance on auto loans.
Stop all charge card interest.
2nd Mortgage - Keep your house and possibly void the 2nd mortgage lien. The property must be worth less than the 1st mortgage and must be your principal residence.
Repay student loans in part, but will still owe the unpaid balance when Chapter 13 is over.
Protects your auto from title pawn creditor.

Cons:

Repayment Plan can lasts between 36-60 months.
May have to surrender part of your tax refunds as payment towards your Chapter 13.
Plan will be dismissed if you do not pay into it.
Cannot pay a creditor directly except for mortgage, leases, child support and few others.
Will not wipe out student loans.

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___________________________________
LEE LEGAL CLINIC, PC
A bankruptcy law firm.
_________________________________

4393 Covington Hwy
Decatur, GA 30035
Covington Hwy and I-285

404-288-4444
Contact Form
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Paying high car
interest, high loan balance?
Chapter 13 can reduce the interest and the loan balance on your car or truck.

Have a 2nd Mortgage?
Chapter 13 can void the 2nd mortgage lien on your home.

Charge cards, personal loans?
Chapter 7 or 13 can wipe out the debt.

Interest.
It can wreck your budget and make some debt almost impossible to pay off.
Car loans and charge cards can be the worst.

Charge Cards:
$4,500 grows
to $11,750.
$12,000 grows
to $30,500.

Car loans:
$15,000 grows
to $27,000.
$32,000 grows
to $57,900.

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CHAPTER 7 - Pro and Con.
Pro:

Case is over in approximately 5 months from date of filing. You get a 'Fresh Start' faster than a Chapter 13.
Wipes out charge card debt and personal loans.
Wipes out some taxes if more than 3 years old.
Allows you to surrender house and walk away from mortgage.
Allows you to surrender other property and walk away from the debt.
Stops suits and garnishments.
Temporarily stops foreclosure.
Temporarily stops repossession.
Temporarily stops tax and student loan collection.
You can continue to pay any creditor if the creditor agrees.
You can continue to pay for auto if creditor agrees (reaffirmation).
You can continue to pay mortgage without creditor approval - if you are current.

Cons:

Cannot make auto creditor accept payments, creditor can choose to repo auto instead.

Cannot make a creditor return property that has been repossessed before the Ch 7 is filed.

Cannot modify 2nd mortgage.

Does not protect co-signers.

Does not allow you to keep auto unless creditor agrees.

Does not allow you to catch up mortgage payments.

Will not wipe out taxes less than 3 years old.

Will not wipe out student loans.

Does not stop child support collection.

Does not protect auto from title pawn creditor.

Read More about Chapter 7
and Chapter 13 - click.

Both 7 & 13 require a $50 fee for the mandatory pre-filing debt counseling.

WHY CALL LEE LEGAL.

Member:
American Bankruptcy Institute
National Assoc. of Consumer Bankruptcy Attorneys
Bankruptcy Section - Georgia Bar
Bankruptcy Section - Atlanta Bar Association
Better Business Bureau - A+ rating

For 30 years our livelyhood has depended on our client's satisfaction and their referrals.
We may not be the most convenient but we appreciate every single one of our clients. And we show them the common courtesy of knowing their name.

The heavy advertising firms don't depend on client referrals like we do. They all advertise "customer service" and a "caring staff" but they could care less about client satisfaction. They know their heavy advertising will always bring in new clients. We're old school, we depend on our clients to help us grow.
We give you more than one free consultation because most people need more than one.
We can pull credit reports, tax records, house values and car values.
We're good at what we do. Our clients have trusted us for 30 years. You should to. Call us.
Filing bankruptcy is serious - let us help you decide what to do.

ATTORNEY FEES.
CHAPTER 7 - the attorney fee for a basic Chapter 7 is $950. Most Chapter 7 cases are considered basic.

CHAPTER 13 - for most Chapter 13 cases we only need the $75 partial filing fee to file your case. We put our attorney fee in the case and we get paid with your creditors every month as you pay into your case.

Back to Compare 7 and 13 Charts

Click to verify BBB accreditation and to see a BBB report.

A+ Rating
Better Business Bureau

Tax Returns.
Market Value.

We can pull these items for you. We have access to credit reports, IRS tax records, real estate and auto values.

5 Most Asked questions

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What are Bill Collectors allowed to do?

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Our clients are people just like you.

Legal Disclaimer: No legal relationship or offer of representation between Lee Legal Clinic PC, or any employee, officer or representative of Lee Legal Clinic, PC, may be created through, or by using, LeeLegal.com or by use of any Lee Legal phone number. Information shown or referred to in this website is not intended to be conclusive or complete, but rather is a generalization offered to cover a broad scope. It is not intended as legal advice to any person(s) and is not an offer to represent any person(s) or file bankruptcy for any person(s). You will need to contact our office, or others in the legal field, to obtain a specific review of your particular situation. The Lee Legal website may not apply to your situation or circumstances. You should always seek legal advice about your particular legal situation. Photos and images are changed periodically and may not depict actual clients and staff of Lee Legal. The statements, content and/or opinions expressed in any article or website that is shown, linked to or referred to does not necessarily express the legal opion, legal advice or personal opinion of any employee of Lee Legal Clinic, PC ("Lee Legal"). The Lee Legal website and any email or phone communication originating, or in any way resulting, from the Lee Legal website is not an offer of legal representation to any person(s). Any person who submits, or uses, our email agrees that any response to that email in any form of communication is not an offer of legal representation. You must come into our office and execute our employment contract in order to retain Lee Legal as your attorney.

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We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code and Bankruptcy Laws.

Lee Legal practices Bankruptcy Law. Bankruptcy is also referred to as Debt Relief, Chapter 13, Chapter 7, Consumer Bankruptcy, Personal or Total Bankruptcy, Debtor Bankruptcy, Georgia bankruptcy law. We give bankruptcy information to people looking to file Chapter 7 or Chapter 13. Lee Legal Clinic PC is licensed to practice law in the state of Georiga. We practice and file Chapter 7 and Chapter 13 bankruptcy only in the Atlanta Division which includes ATLANTA Metro Georgia, CONYERS, COVINGTON, DECATUR, DOUGLASVILLE, JONESBORO, LAWRENCEVILLE, LILBURN, LITHONIA, McDONOUGH, SCOTTDALE, SNELLVILLE, STONE MOUNTAIN, and the counties of: DEKALB, CLAYTON, DOUGLAS, FULTON, HENRY, NEWTON, AND ROCKDALE .

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