When people in Newnan hear the word “bankruptcy,” they often associate it with failure or shame. But in reality, bankruptcy can be the legal tool that helps families and individuals in Coweta County take back control of their financial lives. Whether you’re overwhelmed by credit card debt, medical bills, wage garnishments, or foreclosure threats, bankruptcy may provide a path forward—and Attorney H. Brooks Cotten is here to help guide you through it.
Understanding Bankruptcy Options in Georgia
There are two primary types of consumer bankruptcy that apply to most Newnan residents:
Chapter 7 Bankruptcy: This is a liquidation bankruptcy that can wipe out most unsecured debts like credit cards, payday loans, and medical bills. It’s often the fastest and most affordable path to a fresh financial start. You may be able to keep your home, vehicle, and other exempt assets, depending on your situation and income.
Chapter 13 Bankruptcy: This allows you to restructure your debts into a repayment plan over 3 to 5 years. It’s ideal if you’re behind on mortgage payments, facing foreclosure, or want to catch up on car loans without losing your property. Chapter 13 can also help stop interest from piling up on certain types of debts.
Real Help for Real People in Newnan
Attorney H. Brooks Cotten has served Newnan and the surrounding areas for decades, helping hardworking Georgians stop creditor harassment and take their first steps toward financial peace of mind. When you file for bankruptcy with our help, you can:
- Stop wage garnishment and lawsuits
- Prevent foreclosure and vehicle repossession
- Eliminate credit card and medical debt
- Stop the constant creditor phone calls
- Rebuild your credit over time
You don’t have to feel embarrassed or alone. Thousands of people across Georgia have used bankruptcy as a legal strategy to reset their financial future—and many go on to buy homes, start businesses, and build savings within a few years.
How the Process Works for Newnan Clients
When you contact our office, we’ll walk you through the process step by step:
- Free Consultation – You’ll meet directly with Attorney Cotten to discuss your situation, goals, and which chapter might be right for you.
- Document Preparation – We’ll help you gather all the paperwork and financial information needed.
- Filing and Protection Begins – Once filed, you’ll be protected under the federal automatic stay, which stops collections immediately.
- Court Appearance – You’ll attend a brief meeting (not a trial), and we’ll guide you through it.
- Discharge or Plan Completion – Your debts will either be discharged (Chapter 7) or you’ll begin your repayment plan (Chapter 13).
We make the process simple, affordable, and respectful.
Serving Newnan and Beyond
Our law office has deep roots in Coweta County and has helped clients from Newnan, Senoia, Sharpsburg, Grantville, and throughout West Georgia. We’re proud to offer small-town service with big results. Many of our clients are referrals from past clients who trusted us to protect their family’s future.
Schedule a Free Consultation Today
If you’re in Newnan or the surrounding area and wondering whether bankruptcy might be the right move, don’t guess—get answers. Call Attorney H. Brooks Cotten or schedule your free consultation through our website. There’s no pressure and no judgment—just clear, honest advice from someone who’s helped thousands of people get back on their feet.
Visit NewnanBankruptcy.com or call us today to get started.
