Your Local Coastal Georgia Bankruptcy Attorney

RESET Your Financial Future!



Debt Settlement


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Our Approach

Coastal Georgia Bankruptcy was established for the purpose of helping people through periods of financial hardship and stress. We assist individuals and companies in taking back control of their finances and restarting their financial future. With over 20 years of bankruptcy experience, we work closely with our clients to develop a financial strategy that specifically meets their individual goals, eliminates debts, and protects their property from the reach of creditors. We know bankruptcy is not always the answer, but we will help you take control of your budget and establish a plan for success rather than continued uncertainty.

Unlike most bankruptcy attorneys who view filing your bankruptcy case as a transaction, at Coastal Georgia Bankruptcy we view your case as a relationship. We understand the pressure associated with financial struggles can be overwhelming, taking a toll on you and your family. That is why we are dedicated to making sure you are not alone while dealing with financial difficulty. We are committed to keeping you informed, answering your questions, and following up regularly to ensure the best possible outcome for every client. You can talk to our attorney anytime, including nights and weekends, so you can be assured we are by your side every step. Coastal Georgia Bankruptcy, located in Savannah, Georgia, is dedicated to helping people reset their financial future and take the first step to a new tomorrow.


Chapter 7

Are you struggling to manage high credit card balances, medical debts or have you recently had a financial setback? Do you find yourself in a pattern of postponing payments or only paying the minimum balances on credit cards?

Chapter 13

Chapter 13 bankruptcy is an effective way for people to reduce debt, protect their property and consolidate a lot of their debts into one payment.


Debt settlement generally involves a lender, servicer or collection agent agreeing to reduce the total debt owed or restructuring the terms of payment without filing bankruptcy.

Chapter 7 Bankruptcy

Are you struggling to manage high credit card balances, medical debts or have you recently had a financial setback? Do you find yourself in a pattern of postponing payments or only paying the minimum balances on credit cards? This often takes money from your paycheck, leaves little money for other bills and forces you to face even bigger bills in the future when you find yourself falling further behind.

At Coastal Georgia Bankruptcy we know honest, hardworking people often face these financial struggles. For those that qualify, Chapter 7 bankruptcy may be a good option for people who have an unmanageable amount of credit card debts, medical bills or other unsecured debts they want to wipe out. While it is possible that your assets can be sold by the bankruptcy Trustee in a Chapter 7 case, many people fear that they will lose everything they own by filing for Chapter 7 relief.

In reality, most people don’t lose anything. Georgia law allows you to exempt specified amounts of equity in your home, cars and many other types of property to keep them safe and making it unlikely any of your property will be lost. If the value of your property exceeds the exemptions, we can analyze your situation and advise you on whether Chapter 13 bankruptcy is the better choice for you. That is why you will meet with an experienced bankruptcy lawyer who is dedicated to helping you understand your different financial options when you contact our office for a free consultation.

Get In Touch With a Bankruptcy Attorney to Help

Get your life back on track and call to schedule your free initial consolation with a knowledgeable bankruptcy lawyer at (912) 721-2724

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is an effective way for people to reduce debt, protect their property and consolidate a lot of their debts into one payment. If you are behind on your mortgage payments, Chapter 13 is an effective way to stop a possible foreclosure action, keep your house and spread out mortgage arrearages into a monthly amount you can afford. Chapter 13 may also be helpful in spreading out the repayment of past-due child support obligations and many tax liabilities. Many people fall into financial stress when their paychecks cannot cover household expenses. Chapter 13 bankruptcy can help, since it can actually reduce your overall monthly payments while at the same time establishing a plan for addressing most, if not all, of your financial worries.

It is a common misconception that an individual must have a job to qualify for this kind of debt relief. In reality, an individual may qualify based upon having one or more sources of regular income, such as child support, retirement benefits or other forms of income. A Chapter 13 Plan is tailored to help align your household income and expenses, so you can pay your debts over time while keeping your property and having money to pay for household necessities. Most importantly, this plan allows the repayment of debts over time without worrying about foreclosure, repossession, increasing interest rates, ballooning monthly payments or harassing creditor phone calls and notices.

Sit Down With an Experienced Bankruptcy Lawyer

The strategy developed to reorganize your debts involves creating a plan to repay some or all of your debts over a period of three to five years. Therefore, you need an experienced bankruptcy lawyer to explain the reasonable expenses and other factors the Bankruptcy Court will consider in reviewing the feasibility of the plan. At Coastal Georgia Bankruptcy we will help formulate a Chapter 13 Plan that works with your budget and  allows you to move forward with confidence. Further, our attention to your case does not stop when your Chapter 13 Plan is filed and confirmed since both our attorney and staff  follow-up with our clients regularly to make sure they are achieving their financial fresh start.

Get your life back on track and call (912) 721-2724 to talk with a knowledgeable bankruptcy lawyer or schedule a FREE initial meeting online now.

Debt Settlement

Debt settlement generally involves a lender, servicer or collection agent agreeing to reduce the total debt owed or restructuring the terms of payment without filing bankruptcy.  In today’s financial climate, it is common for people to run up credit card debt. Credit card lenders make it easy to accumulate a large amount of debt in a short time, leaving individuals with thousands of dollars of debt, increasing interest charges and no real solution in sight.  As your bills continue to come due, with interest rates increasing the total amount owed, it may be time to contact an attorney who can offer sound legal advice on tackling your debt and controlling your credit problems.

An attorney with experience handling debt consolidation and debt settlement options knows how to work with creditors and develop a sound debt relief strategy.  Bankruptcy is not always the right path and the team at Coastal Georgia Bankruptcy is experienced at making arrangements to settle delinquent debts and negotiate new payment terms, ensuring your debts are resolved in a way that works for you and the creditor.   Through the negotiation process creditors unusually agree to settle delinquent debts by reducing the balance owed, reducing the interest rate, restructuring the time period for repayment or settling the total debt for a smaller lump-sum payment.  Creditors often work better with an attorney that is knowledgeable about resolving consumer debt issues, knowing they may get quicker results and have greater success for resolution. Debt settlement also avoids the creditor having to take legal action, including filing a lawsuit, initiating garnishments and filing liens.  Further, this option also benefits an individual’s credit score by paying off existing loans.

It is particularly important to settle mortgage debts, since delinquencies that are not resolved through an agreed upon settlement or modification will likely result in the initiation of foreclosure.  A knowledgeable attorney will be able to work with your mortgage lender to modify the balance of your mortgage debt or restructure the payment terms entirely.  Having previously represented lenders and servicers in the foreclosure process, the attorney at Coastal Georgia Bankruptcy is uniquely experienced in resolving foreclosure related issues.  He will discuss all your debt relief option to make sure you protect your home and family.

Contact an Attorney to Help You Understanding Your Debt Settlement Options

Restart your financial future and get answer to all your debt relief questions by scheduling your free consolation with a knowledgeable attorney at (912) 721-2724.

How We Can Help


Stop Repossessions & Keep Your Car

If you find yourself in the endless cycle of postponing payments or falling behind on your bills, you may end up facing repossession.  Having trouble managing and paying the endless line of bills is common.  Bankruptcy may give you the protection you need from creditors and help avoid a possible repossession.  Bankruptcy also provides people with options regarding their vehicles, including reducing the interest rate you are currently paying and possibly reducing the payments for your vehicles.


Stop Foreclosures & Keep Your House

Receiving a notice of foreclosure can be scary, putting pressure on you and your entire family.  Falling behind on the mortgage is a common problem for people under financial stress. Filing bankruptcy will stop the foreclosure process, regardless of which type of bankruptcy you file. If you are facing foreclosure, it is vital that you consult with a lawyer who is knowledgeable of both bankruptcy and foreclosure laws.  Mr. Stutzman has 20 years’ experience handling foreclosure issues, on behalf of lenders and borrowers, and knows exactly what needs to be done to properly protect your most important asset, your home.


Stop Lawsuits & Debt Collections

In Georgia creditors can garnish up to 25 percent of your net pay. Losing that much cash from your take-home pay can be devastating to your household budget. Filing for bankruptcy protection will stop lawsuits and any collection actions from continuing against you. In addition, bankruptcy will terminate garnishments and stop harassing creditor calls, letters and notices.  Bankruptcy levels the playing field with aggressive creditors and gives you the ability to discharge your debts with minimal or no payment on certain debts.

Attorney Drew K. Stutzman - Coastal Georgia Bankruptcy - Google Maps

Our Locations

Our office staff provides knowledgeable, professional and caring legal services for individuals and families throughout Coastal Georgia, gladly serving Savannah and the surrounding areas.


  • Bloomingdale
  • Garden City
  • Hinesville
  • Pooler
  • Richmond Hill
  • Bryan, Effingham & Liberty Counties

Frequent Questions

old books , old legal books

The answer depends on your individual circumstances. If you are struggling to pay back your debts and your creditors are not willing to work with you, bankruptcy is a good way to resolve financial situation. But whether bankruptcy is in your best interest also depends on the types of debt you have and the amount of property you own.

The tipping point for most people is when debt collectors or creditors become a constant source of stress, collection lawsuits are filed, wages are garnished, or there is threat of foreclosure. If you are facing any serious issues caused by unpaid debt, then it's a good idea to talk with the attorney at Coastal Georgia Bankruptcy to discuss your options.

About Us


Attorney Drew Stutzman, has over 20 years of consumer bankruptcy experience offering his clients quality and comprehensive legal services in all aspects of bankruptcy law. He has consistently been recognized as one of the very best bankruptcy attorneys in Georgia. Drew has been named Georgia Trend Magazine’s “Legal Elite in Bankruptcy” for 2015, 2016 and 2017, recognizing him as one of Georgia’s top bankruptcy attorneys. He also enjoys a “Distinguished” rating by Martindale-Hubbell, indicating that he is widely respected by his peers for his high professional achievement and ethical standards. Drew is a member of the State Bar of Georgia and is active in a number of local, state and national bankruptcy organizations. Drew is frequently asked to present and lecture on bankruptcy related topics.

Drew graduated from Georgia Institute of Technology with a degree in industrial and systems engineering and earned his law degree from the Mercer University Walter F. George School of Law. Early in his career Drew represented large institutional financial lenders, servicers and investors, including Freddie Mac and Fannie Mae. Drew later founded Coastal Georgia Bankruptcy with the mission of helping people through periods of financial stress. This passion to help people also extends into the community, as Drew regularly give his time to various local community-assistance programs, leads a small-group youth initiative and holds several committee positions within his church.

At Coastal Georgia Bankruptcy, Drew and his staff are committed to providing the personal attention needed to find solutions for each and every client’s financial situation. With Drew’s past experience representing lenders, he understands how creditors think and uses that unique insight to help debtors better navigate the bankruptcy process and overcome their financial obstacles. Not all consultations lead to filing bankruptcy, as Drew’s primary goal is to achieve debt relief solutions that give his clients financial stability and fit their specific situation. If bankruptcy is not right for you, we can explain alternatives such as loan modifications, debt consolidation and non-bankruptcy debt settlements.


2 weeks ago

Simply amazing! He took the time to explain anything I had questions about. I am so glad I had him on my side. Would recommend to everyone.


Meyer & Sayers LLP

500 Stephenson Avenue

Savannah, GA 31405

Mailing Address

Post Office Box 16089 | Savannah | Georgia | 31416


Office Hours

Monday To Friday

8:30 AM - 6:00 PM

Coastal Georgia Bankruptcy

a practice group of


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

Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to

be formal legal advice nor the formation of a lawyer/client relationship.