We are Newnan, GA based law firm focused on excellence.

If you are one of the millions of Americans struggling with insurmountable debt and financial stability, then you have come to the right place for help. Newnan Bankruptcy attorney H. Brooks Cotten will be using this blog to provide insightful information about the benefits of bankruptcy. Don't hesitate to call us TODAY!

Chapter 7 - $0 Down if you qualify with a bank account

Chapter 7 is called a "straight" bankruptcy. It is used to wipe out unsecured debts like repossession and old tax debt.. *Affordable Installment Plans Available.

Chapter 13 - $0 Down if you qualify for an Employer Deduction Order

Chapter 13 is a debt consolidation plan used to stop foreclosures, garnishments, and repossessions without creditors' consent.

Reorganize Student Loans

Pay student loans in whole or in part through Chapter 13. There is more outstanding student loan debt today than there is credit card debt, crowding out the ability to borrow for houses and cars.

Chapter 7 or Chapter 13? Which is Right for You?

Chapter 7 and Chapter 13 are different tools that are used to handle different financial problems. Check out our Frequently Asked Questions Page for More Info!
Set up an appointment with a lawyer to see if you qualify.

Latest Blog Articles

26. Sep
The Emotional Toll of Debt Problems

The Emotional Toll of Debt Problems

Debt is an insidious source of worry that affects millions of people. The emotional toll is not just about numbers on paper. It is also about anxiety, stress, and negative emotions. For many, the burden never seems to lighten, leading to enduring emotional and mental health challenges. Constant worry can lead to sleepless nights, panic …
11. Nov
Hearings By Telephone

Hearings By Telephone

Before the pandemic, bankruptcy court hearings were conducted in person at the federal courthouse. You had to deal with parking, child care, etc., and all of us had a long wait in court for other hearings to be finished. All of this meant missing work or missing some other productive activity. For first-timers, it could …