Gwinnett County and Walton County Bankruptcy Attorneys

Gwinnett County Bankruptcy Attorneys · 32 Years of Helping Honest Debtors Start Fresh

At Daniels & Taylor, P.C., we understand that it is humbling to raise the white flag and admit that you cannot dig yourself out of debt. However, most people who take the big step of filing bankruptcy experience great relief once the phone stops ringing, the creditor actions stop and their financial picture gets brighter.

We are not here to judge, only to help you through this difficult time. Once you know what to expect in the bankruptcy process, it won't be so intimidating. The information below is an overview of bankruptcy. We invite you to arrange a free consultation to discuss your specific debt situation and whether bankruptcy is right for you. With offices in Lawrenceville, we serve debtors in Gwinnett County and Walton County, Georgia.

"Jerry Daniels is an excellent and extremely thorough attorney. He looks at every possible angle of a case to be totally prepared for all contingencies. I found his knowledge of the law and courtroom abilities to be outstanding. It was very reassuring to have an attorney whom I could trust during what was a difficult personal crisis." - W.R.

WE CAN HELP YOU! Contact our Lawrenceville law office at 770-604-1380.

What Is The Bankruptcy Process?

  • Exploring your options — Founding attorney Jerry Daniels has 32 years of experience helping people get through tough times, including debt relief through bankruptcy. In a free office consultation, he will examine your finances and determine if you qualify for Chapter 7 discharge of debts or if you need to file for Chapter 13 relief from creditors. We can give you a reliable opinion of which debts can be discharged and which assets you can keep.
  • Hiring an attorney — Bankruptcy law is too complex to handle on your own. Our attorneys have focused experience in consumer and business bankruptcies.
  • Credit counseling — Before we can file your petition, you must take a credit counseling course on bankruptcy and other debt relief options. We can steer you to approved providers. The courses take only a few hours and can often be taken online.
  • Filing the petition — Within a week or two of your consultation, we will file your petition electronically. As soon as your petition is received by the U.S. Bankruptcy Court, you are protected by the automatic stay of bankruptcy. This means that all actions by creditors and third-party collection agents must halt: phone calls and letters, as well as garnishments, repossession or foreclosure.
  • Reaffirmation agreements — When you file for bankruptcy, you will have to decide whether to keep or surrender assets such as your house and your car. You might choose to continue making payments under a formal reaffirmation agreement. Once you file a reaffirmation with the Bankruptcy Court, you have 60 days to change your mind.
  • Meeting of creditors — About a month or so after you file for bankruptcy, you must appear in court in a 341 Meeting of Creditors. In a consumer bankruptcy, it is very rare that any actual creditors will show up. However, you will have to answer to the bankruptcy judge. He or she will ask for some verifying information and a few probing questions about your finances and your bankruptcy petition. Our lawyer will prepare you and accompany you to the hearing.
  • Chapter 13 payments — You must make the first payment to the trustee 30 days after filing your Chapter 13 plan with the court, even if you have not had your 341 meeting. You will receive a confirmation of your plan or be summoned to court again if the trustee believes the plan needs to be revised.
  • Debtor education — Before your debts can be discharged or your plan can be affirmed, you must take a debtor education course on budgeting, credit and debt management. This is intended to keep you from falling back into debt. We can help you find an approved provider. The courses can be completed online, by phone or in person.
  • Discharge of debts — In a Chapter 7 bankruptcy, you will be notified of your official discharge about four months after filing. In a Chapter 13 plan, you will make monthly payments for three to five years. At the end of your plan, any remaining unsecured debts are discharged.
  • Beyond bankruptcy — Many people are worried about life after bankruptcy, namely the impact on their credit rating and the ability to borrow. Initially, you will be unable to get credit or lenders will charge exorbitant interest rates. However, you can rebuild good credit fairly quickly. Many people qualify for credit cards within the first year, then car loans and even new mortgage loans within two to three years.

Gwinnett County and Walton County Chapter 7 Lawyers

From our office in Lawrenceville, our lawyers represent clients in communities throughout Gwinnett County and Walton County, Georgia. Call us at 770-604-1380 or contact us by email to arrange a free consultation with one of our experienced Lawrenceville bankruptcy lawyers today. At your first meeting, we will determine if you should file for bankruptcy and what information you will need to get started.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

You said you would take care of me and you did! I can't believe how good you were! When the trial started I was scared to death, but as I watched you in the courtroom I became confident and realized you had everything under control.... read on review website

Stacy Garguilo is one of the best attorneys I have ever met. She is on top of her game. She can be blunt at times which I found it very helpful. I hired her for a child custody modification and she laid out my case with truth and honesty.... read on review website

I was represented by another lawyer and after spending thousands of dollars and never getting anywhere I was referred to Daniels & Taylor. They won me custody of my son. They helped me prove my case and keep my emotions at arms length... read on review website

Great firm. Very helpful and caring staff. My family has used the firm for several different matters and got great results everytime. I would recommend to anyone in need of legal services. read on review website

Daniels & Taylor is a fantastic firm to visit for your legal needs. Whether you are getting a divorce, need to get out of debt, need a Will drafted or have a personal injury claim, you will be treated with care and concern. read on review website

Very personable, direct to the point, and efficient. read on review website

I was very happy with the job Adam did representing me. He was an awesome lawyer. He did exactly what we wanted and got my charge down. He actually seemed to care about my case and that was much appreciated. read on review website

Knowlegeable dedicated to their clients' success, I loved their services. read on review website

It was a great outcome with excellent service! Would highly recommended this company and will use them in the future if needed read on review website

Outstanding Lawyer I have had the pleasure of having Stacy represent me in a criminal case. She was very diligent and kept me up to date as my case progressed. She worked very hard on my behalf and got me a fair and just outcome... read on review website

I highly recommend Daniels & Taylor! They are simply the best at what they do and always had my best interests in mind from the very beginning. They handled my divorce expertly and I will definitely go right to them any time I need legal help... read on review website

My lawyer was very nice and explained things to me in a clear manor. Our first paralegal was both sick (bad cold) and about to leave the firm. She forgot to have us sign some papers. We sent in the signed papers, but in the transition they were lost for a few weeks. Someone finally found them and things proceeded fine after that. I wasn't happy with the 3 week delay. read on review website

They were so very helpful and we're able to explain everything step by step when it came to my divorce. Made it easy and hassle free for me and took care of business. read on review website

Tony Taylor has helped me with several family law needs. He has always been understanding and very knowledgeable. read on review website

Pro Attorney. Ms. Garguilo represented me in traffic case that could have resulted in jail time. Instead we spent 15 minutes in court and I ended up with very moderate fines. She knows the law and the system and is an invaluable resource. read on review website

I was represented by Stacy Garguilo and, She was exceptional. She not only met my expectations of what I hoped as an outcome but, exceeded them as well. She was Always responsive in a timely fashion... read on review website

I was more than pleased and impressed with the work Tony did for me and my family. He helped me and was solid in his execution of every legal matter disscussed both in and out of court. He was able to keep my daughter protected and gave me peace of mind during a very difficult time of my life... read on review website

I contacted this office for help in step-parent adoption. We decided to move forth with my husband adopting my son from a previous relationship. Everyone in this office was an absolute pleasure to work with. They walked us through the entire process step by step and treated us as a friend... read on review website

He helped save my Drivers License. Having an ex-prosecutor on my side proved to be a huge advantage. He really saved my skin! read on review website

Trustworthy, Accurate & Experienced... A GOOD PERSON! I have enjoyed working with his firm, DANIELS & TAYLOR, for over 20 years AND will continue to utilize the services they have represented for my family and I in the past... read on review website

I have had the pleasure of having Stacy represent me in a criminal case. She is a nonstop machine, working hard for my needs. When my court day finally arrived, Stacy was prepared with all the necessary paperwork, jury questions, witnesses and worked with the solicitor to get the outcome we had discussed... read on review website

I would recommend this firm. Clearly articulated their services and pricing structure and efficiently handled my case. read on review website

I went to see this firm for bankrutpcy advice. They were very pleasant and very informative. They were upfront, honest and weren't out for making money off of me! read on review website

Stacy Garguilo is one of the best attorneys I have ever met. She can be blunt at times but I found it very helpful as she would not promise the world and deliver nothing close to the expectations. I hired her for a child custody modification and she laid out my case with truth and honesty. read on review website