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Your Local Coastal Georgia Bankruptcy Attorney

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Isn't Time to RESET Your Financial Future

Over 20 years of bankruptcy experience

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All appointments can be done over the phone or by video conference

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Call Coastal Georgia Bankruptcy today and take the first step to a new tomorrow.

Coastal Georgia Bankruptcy was established with the mission of helping people through periods of financial hardship and stress.  With COVID-19 becoming a part of our daily lives, this commitment to helping individuals and businesses in our community has never been greater.  While social distancing may keep us apart physically, it will not stop the team at Coastal Georgia Bankruptcy from providing sound financial advice and assistance during these trying times.  If you are struggling to meet your financial obligations or are concerned about how COVID-19 may affect your financial future, please call (912) 721-2724 or schedule an appointment through our website.  Our attorney, Drew Stutzman, will continue to be available by phone anytime, including after-hour and on weekends, and to insure the safety of our community telephone or video appointments are available.

 We also understand that in addition to financial worries our clients are concerned about the future of their family and loved ones.  Therefore, during our consultations we will also provide assistance regarding Advanced Health Care Directives and Durable Powers of Attorney.  These customizable documents will assist you and your loved ones in making financial and healthcare decisions during these difficult and troubling times.  All consultations can be done remotely, either by telephone or video conference.  Offering these additional services is just another way Coastal Georgia Bankruptcy can help provide peace of mind during this pandemic and assure our clients we are always there to help.

Frequently Asked Questions

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, you may be a good candidate for bankruptcy. 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.

Coastal Georgia Bankruptcy was established with the mission of helping people through periods of financial hardship and stress. We also believe in providing a supportive environment to discuss difficult legal and financial issues. Our first concern is always for the client. With over 20 years of bankruptcy experience, we will work closely with you to create a personalized financial strategy addressing your specific circumstances. Contact Coastal Georgia Bankruptcy today so we can help you take the first step to a new tomorrow – it's easier than you think!

Bankruptcy is a federal court process that allows debtors to eliminate and/or reorganize their debts, providing legal protection for those struggling or unable to repay their obligations.  The goal in most bankruptcies is to receive a discharge, which eliminates debtors’ liability on certain debts and prohibits creditors from collecting debts against them. Some debts are not dischargeable, so you need an experienced bankruptcy attorney to guide you through the process.

If you meet the eligibility requirements for both types of bankruptcy, then you can choose the type of bankruptcy that makes the most sense for your situation. However, you may not have a choice. Chapter 7 is a popular choice because it is relatively quick and, unlike Chapter 13, it doesn't require filers to pay back any portion of their debts. However, not everyone qualifies to file for Chapter 7 bankruptcy and in some cases Chapter 7 doesn’t provide the help many debtors need. Chapter 13 is a popular choice if you have regular income and you want to protect valuable property from possible repossession or foreclosure. A Chapter 13 bankruptcy allows you to keep your property, cure arrearages and reduce your debts, offering an excellent alternative for those who do not qualify for Chapter 7. The requirements for eligibility and determining which type of bankruptcy is right for you can be complicated, so contact the experienced attorney at Coastal Georgia Bankruptcy to form a strategy to reset your financial future.

At Coastal Georgia Bankruptcy all consultations are FREE, so there is no cost to contact our office and learn what options are available to resolve your financial issues and eliminate the associated stress.  An advantage to filing Chapter 13 is that most cases do not require any money down and attorney fees are paid along with other obligations through your Chapter 13 Plan.  The attorney fees in Chapter 7 cases vary depending on the complexity of each case and are generally paid before filing. At Coastal Georgia Bankruptcy we are committed to working with our clients to tailor our fees to your particular case and budget, making sure you have the chance to reset your financial future on payment terms that fit your financial situation. 

When you file bankruptcy, you’ll be asked to disclose information regarding your financial affairs, such as your income and expenses, assets, debts, and property transfers. Also, you’ll need to provide certain documents to the bankruptcy trustee to prove the accuracy of the information provided. To properly complete the bankruptcy petition and schedules, you will need to provide the following information: 

  • All bills with the contact address and account numbers. Be sure to include all medical bills, credit card bills, car payments, and mortgage statements, personal loans, rent to own contracts, furniture loans, title loans, or title pawns.
  • The last six (6) months of paycheck stubs or proof of income.
  • The last two (2) years of state and federal tax returns.
  • The last three (3) months of bank statements for all of your accounts.
  • Any paperwork regarding lawsuits, garnishments, foreclosures, or repossessions.

Usually, only those people you choose to tell.  While bankruptcy filings are a matter of public record, most of people are not searching for it.  If you’re worried about people knowing about your financial difficulties, don’t tell anyone, and they likely won’t find out.  After all, it’s really no none of their business.

In Chapter 13, you get to keep all of your property. In Chapter 7, you may lose property that isn't protected by an exemption. But most Chapter 7 debtors are pleasantly surprised to learn that they will be able to keep all of their property, either because it's exempt or because it isn't worth enough to cover the cost of taking it and selling it. It is important to know what property is off-limits from creditors and the trustee, so make sure you contact an experienced bankruptcy attorney that will eliminate your debts while also protecting your important assets. 

If you are married, you can file an individual bankruptcy case without your spouse. While there is almost no additional cost for a spouse to join in a bankruptcy case, there is no requirement that they also file. 

The point of filing for bankruptcy is to give yourself a financial fresh-start by getting out from under your debts. Whether you file a Chapter 7 or Chapter 13 bankruptcy case, many types of debt will be discharged at the end of your case. When a debt is discharged, you will no longer have any liability to pay for that debt, and creditors are prohibited from the collection of a discharged debt.  However, some debts, such as child support and spousal support, student loans, criminal fines, and restitution, are not discharged through bankruptcy. Further, while debts are discharged through bankruptcy some creditors may retain liens on certain property. Therefore, it is important to contact an experienced bankruptcy attorney to make sure your debts are discharged, so you can reset your financial future.

Your credit will likely be affected if you file for bankruptcy, but there is good news too. If you do not have great credit, to begin with, once your debts are discharged, your credit score may start to improve not too long after bankruptcy and the impact of a bankruptcy filing lessens over time. Further, after bankruptcy, you will be better positioned to manage creditor obligations wisely and build your credit score, without having the overwhelming arrearages, credit balances, and interest charges that led you to seek bankruptcy protection. 

Yes, you will be able to apply for and get a loan after receiving a bankruptcy discharge. It is important to start rebuilding your credit and continue paying your ongoing obligations on time after completion of your case.  Your most recent actions have a bigger impact on your credit score than negative events from the past, so the effect that bankruptcy has on your score will diminish with each year that passes.

If you’re facing serious debt problems, filing for bankruptcy can be a powerful tool. It stops most collection actions, including telephone calls, wage garnishments, lawsuits, foreclosures, repossessions, or other collection actions. When you file for bankruptcy, a court order called the automatic stay immediately stops most civil lawsuits filed against you and most collection actions being taken against your property by creditors, collection agencies, or government entities.

The Small Business Reorganization Act (SBRA) allows eligible businesses to retain control over their business operations while reorganizing. However, the SBRA removes the costly requirements associated with a Chapter 11 filing. Unlike Chapter 11, a trustee will be appointed to each small-business debtor case to perform duties similar to those performed by a Chapter 13 trustee. At Coastal Georgia Bankruptcy, our attorney is excited to explore the protections afforded to small businesses through this recently enacted process.  Further, with experience managing, negotiating and resolving commercial claims at Gulfstream Aerospace Corporation, along with years representing lenders and government-sponsored entities in the bankruptcy process, our attorney is uniquely qualified to guide small businesses in reorganizing their debts and retaining control of operations.

Need Bankruptcy Advice?

Our Approach

Coastal Georgia Bankruptcy was established with the mission 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 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. To make sure you are never alone throughout the process our attorney is accessible anytime, including nights and weekends. Coastal Georgia Bankruptcy is dedicated to helping people reset their financial future and take the first step to a new tomorrow.

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?

Read More...

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

Read More...

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.

Read More...

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?

Read More...

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.

Read More...

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.

Read More...

How Can We Help?

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Stop Repossession and 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.

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Stop Foreclosure and 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.

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Stop Lawsuits and Harassing Calls

In Georgia creditors can to garnish up to 25 percent of your net pay. Losing that much cash from your take-home pay can be devastating to the household budget. Filing for bankruptcy protection will stop collection lawsuits from continuing against you. In addition, bankruptcy will terminate garnishments and stop harassing creditor calls, letters and notices.

Schedule a free and confidential consultation today and see how we can help make a difference.

TESTIMONIALS

8 weeks ago
Mr. Stutzman ia a highly effective attorney who has extensive experience in bankruptcy law and has his clients´ best interests at heart.

Attorney Stutzman availability was outstanding. His customer service was impeccable. Words can not express how well he does his job administratively and interpersonally.

Successfully negotiated a resolution to a nasty family dispute over settlement of an estate. Totally professional - legal staff and support staff.
Used twice for real estate closings as well. Prepared prenuptial agreements. Very friendly and easy to work with. Totally dedicated to their clients.

Getting Started

Filing Bankruptcy May Be Easier Than You Think!

Contact Us

Not all consultations lead to filing bankruptcy, as Mr. Stutzman’s primary goal is to find the best way to achieve debt relief solutions that get your finances back on track and fit your specific situation.  If bankruptcy is not the right path for you, we can explain alternatives to bankruptcy such as loan modifications, debt consolidation and non-bankruptcy debt settlements.

Free Consultations With a Bankruptcy Attorney

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Caring Experienced Bankruptcy Attorney

About

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Drew K. Stutzman

Let Us Help You Focus On The Important Things – Yourself & Your Family

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 has also been 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 to realize his passion for helping people and building relationships. This passion also extends beyond his legal practice and has led Drew to give his time to local community-assistance programs and becoming a youth group leader.

He also leads a small group program that allows high school students the chance to get connected and discuss faith related issues facing today’s youth.

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.

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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.

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Bloomingdale

Claxton

Garden City

Pembroke

Pooler

Richmond Hill

Rincon

Springfield

Contact Us

Contact Us Now For A Free Consultation

Address

Meyer & Sayers LLP

500 Stephenson Avenue

Savannah, GA 31405

Mailing Address

Post Office Box 16089 | Savannah | Georgia | 31416

Phone

Telephone: (912) 721-2724

Fax #: (912) 598-5152

E-mail: dstutzman@meyersayers.com

Office Hours

Monday To Friday

8:30 AM - 6:00 PM

Coastal Georgia Bankruptcy

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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.

Debt Settlement

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.

Our Approach


At Coastal Georgia Bankruptcy we believe in providing more than just legal representation. We believe a lawyer should also provide clients a supportive environment to discuss difficult legal and financial issues. Our first concern is for you, the client, and that is why our team at Coastal Georgia Bankruptcy strives to provide a caring office environment that supports you through uncertain and stressful financial times.  With over two decades of bankruptcy experience, we work closely with our clients to create a path forward that addresses each client’s unique and specific situation.

"The first step to getting where you want to go is deciding you are not going to stay where you are" - call Coastal Georgia Bankruptcy today and take the first step to a new tomorrow.

We understand the uncertainty that comes with difficult or unfamiliar legal problems, so our team will take the time to make sure you understand the legal process.  Unlike most bankruptcy attorneys who view filing your bankruptcy as a one-time transaction, we follow-up with clients regularly to make sure they are achieving their financial fresh start.  Plus, you can reach our attorney by phone after hours and evening or weekend appointments are available, so you can be assured we are always there to help.

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.

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