Chapter 7 Bankruptcy

Wipe out debt. Reclaim your peace of mind. If you’re overwhelmed by credit card balances, medical bills, or old tax debt, Chapter 7 bankruptcy may provide the clean slate you need — fast.

At the Law Office of H. Brooks Cotten, we’ve helped thousands of individuals and families across Newnan and surrounding counties navigate the Chapter 7 process with confidence and clarity.

What Is Chapter 7 Bankruptcy?

Often referred to as a “straight” bankruptcy, Chapter 7 allows you to eliminate unsecured debt with no repayment plan. That means qualifying debt — like:

• Credit card debt
• Medical bills
• Personal loans
• Repossessions
• Certain tax debt (typically over 3 years old)

— can be wiped out entirely.

In most cases, you won’t lose your home, vehicle, or essential personal items. Many clients continue making payments on homes, cars, and furniture and keep their property throughout the process.

Who Qualifies for Chapter 7?

Chapter 7 bankruptcy is available to individuals who meet the means test, which looks at your income and expenses. We’ll walk you through the requirements and help determine if you qualify during your free initial consultation.

Why Work With Us?

• ✅ 30+ years of combined experience
• ✅ Serving Newnan, GA and nearby counties including Coweta, Carroll, Troup, Haralson, Heard, Spalding, Meriwether, and Fayette
• ✅ Licensed in Georgia, Alabama, and California
• ✅ Local, compassionate, and personalized legal care
• ✅ We make the process clear, affordable, and stress-free

Local Help You Can Trust

Attorney H. Brooks Cotten brings decades of bankruptcy law experience to every case. We take the time to listen, answer your questions, and help you make informed decisions about your financial future.