Bankruptcy

Chapter 7 Chapter 13

STOP!
Foreclosure
Repossessions
Garnishments
Collection Calls
We are a debt relief agency. We help people file for relief under the Bankruptcy Code. Book your free consultation now!

Mortgage Modification

Many advantages over Chapter 13

Move missed payments to end of loan
Lower Payment/ Interest rate
Reduce loan balance on upside down Home . Schedule a free consultation!

Remove Loan from Default
Lower Payment
Loan Settlements. Create a plan to deal with Student Loan Debt. Book your free phone consultation now!

Tax Resolution

Let us help you find relief from your excessive tax debt!

NO MORE
Unfiled Tax Returns
Unpaid Taxes
Bankruptcy
Tax Penalties

Schedule a free consultation!

GALLER LAW, LLC

Attorney and Counselors 770-671-8830

Who we are!

  • Attorney David Galler works with a skilled team of professionals to help you with all your debt problems.
  • David E. Galler has received a perfect rating of 10 superior on Avvo.com the nation’s largest legal rating service.
  • Mr. Galler has also received the Martindale – Hubbell Client Distinction Award for the past 10 years. This award is given to top 1% of more than 900,000 attorneys in the U.S...

What we do!

  • 30 years of helping people eliminate debt
  • I We have eliminated/discharged Millions of dollars in consumer debt, saved thousands of Homes from foreclosure
  • We offer widest possible range of bankruptcy and non-bankruptcy solutions.



BANKRUPTCY

770-671-8830

Consumer Bankruptcies, Chapter 7 and Chapter 13 are the strongest available debt protection tool available but should be a last resort rather than the first one. We offer both bankruptcy and non-Bankruptcy to most debt problems.

Chapter 13 Bankruptcy

Stop Foreclosure, Repossessions, Garnishments and Wage Levies

Filing Chapter 13 Bankruptcy is the only method 100% certain to guaranteed to stop a foreclosure ( for those who qualify). In chapter 13 the total of the mortgage payments you are behind at filing is paid over a 60 month period along with other debt, Chapter 13 not only can stop and repossession and garnishment but if timely filed we can recover your car or garnished Funds, ever after they are taken by the creditor.

CHAPTER 7 Bankruptcy

Wipe all Unsecured debt like Credit cards and Medical Bills

Chapter 7 is the easiest and fastest way to discharge unsecured debt. It is commonly known as a straight bankruptcy or fresh start as there are no money payments made to the court as there are in Chapter 13. . Chapter 7 is also called straight or fresh start as it allows a debtor to discharge most unsecured debt and and is usually over in just a few months.

"Chapter 20 " Bankruptcy

Chapter 7 then Chapter 13

A “Chapter 20” bankruptcy is the practice of filing for Chapter 13 bankruptcy immediately after completing a Chapter 7 case. A Chapter 20 bankruptcy can allow debtors to discharge their unsecured debts through a Chapter 7 and then file for Chapter 13 to catch up on mortgage payments or pay off nondischargeable priority debts. But despite its benefits, a Chapter 20 also has many drawbacks and can be subject to bad faith filing objections

Loan Modification

Can be used alone or with a Chapter 13

While loan modification cannot guarantee a foreclosure will be stopped in many cases the lender will remove home from foreclosure once a complete Loan modification package I submitted to the lender. That said Loan modifications, have many advantages over Chapter 13, most importantly missed payments are usually moved to the end of the loan, not repaid in five year.

Also loan modification, often lower interest rates and monthly payment, even convert adjustable rates to fixed rates none of which can be done in Chapter 13.

Rebuilding Credit

Ask about our 7 steps to a 720 Credit Score Program

Tax Bankruptcy

In many situations, bankruptcy can wipe out your tax debt, but your entire financial situation and timing has to be examined by an accounting, tax and bankruptcy professional. Bankruptcy can be a powerful weapon against the IRS, especially if it looks like an OIC might not work for you. The beauty of a “tax bankruptcy” (which is simply a regular bankruptcy the filing of which is timed to maximize the discharge of taxes), is it can also wipe out state tax debts; medical bills; credit cards; etc. Compare to an OIC that only addresses federal tax debts – not other debts that maybe troublesome to you.

Bankruptcy of course does not work in all tax cases, so we have created Tax Resolution, LLC , to handle all non-bankruptcy tax problems, from unfiled tax returns, wage and bank levy, audits, appeals and more.

Forty million Americans have student debt. Together, they owe more than a trillion dollars -- an amount that has doubled since the great recession. Americans now have more student loan debt than debt from credit cards, car loans, and home equity lines of credit. country, interests rates as high as 11, 12 and 13 percent..We have a student debt crisis -- and we need to solve it now. Call us to find out your options. .

STUDENT LOAN DEBT

Whether you're happy about the outcome of the election or not, one thing's for sure - the student loan landscape isn't about the change for the better.
Hopes for bankruptcy reform have been dashed.

There's virtually no chance for an overhaul of the student loan system that includes additional borrower protections. Many are betting the CFPB will play less of a role in the coming years, and some are going so far as to say the consumer watchdog will be dismantled entirely.

That means student loan borrowers are going to need us more than ever.

Student loans are NOT dischargeable most Bankruptcies.in most cases

However a Chapter 13 can stop a Student loan wage levy and put the loan in deferment for up to five additional years.


  • In non-bankruptcy cases we must first determine in the loan is Federal or Private.
  • Federal account for about 90% of the loans and the money come from the department of education.
  • Private loans the money case from a bank or other private lender not the government.
  • The process is completing different for resolving Federal vs, Private loans.
  • We can help with both.

JUDGEMENTS, LAWSUITS, CREDIT AND MEDICAL BILLS.

Chapter 7 bankruptcy and Debt Settlement

Chapter 7 is the easiest and fastest way to discharge unsecured debt. It is commonly known as a straight bankruptcy or fresh start as there are no money payments made to the court as there are in Chapter 13.

Debt Settlement

Unsecured debt, Private Student Loans

In some cases if you have older debt of $10.000.00 or more, we can often negotiate reductions of the debt by 50%- 75%.

Rebuilding Credit

770-671-8830

Rebuilding Credit After Bankruptcy
Will Bankruptcy Negatively Impact My Credit Score?

If you have made the decision to file for Chapter 7 or Chapter 13 bankruptcy, you have probably heard that it could have a negative impact on your credit score. Unfortunately, this is true. However, you should also know that the lingering effects of your bankruptcy do not have to be permanent. As long as you take the right steps to rebuild your credit after bankruptcy, it won’t be long before your credit score starts to bounce back.

There are many ways to rebuild your credit after bankruptcy, including:

Check your credit report annually and report any errors
If you don’t qualify for a credit card, apply for a secured card
Create a monthly budget and pay all of your bills on time
Avoid utilizing a large amount of your available credit
#1: Review Your Credit Report Annually

Once you have completed the bankruptcy process, it is important to know exactly where you stand. Start by requesting a copy of your credit report from all of the major bureaus: Equifax, Experian and TransUnion. You are entitled to one free copy of your credit report each year. If you notice that any of these reports contain inaccurate or inconsistent information about your debt or payment history, you can and should dispute it.

#2: Start Using a Secured Credit Card

One of the most effective ways to rebuild your credit after bankruptcy is to start using a secured card—since you may not qualify for a traditional credit card. With a secured credit card, you would deposit money into a savings account and use this deposit to secure a line of credit. Your credit limit would then be the amount of the deposit, minus any fees. Make sure you choose a card that reports to all three credit bureaus.

#3: Make All of Your Payments On Time

After filing for bankruptcy, it is imperative that you start paying your bills on time. Payment history makes up 35% of your credit score, so making on-time payments is one of the easiest way to rebuild your credit. If you have a tendency to fall behind on your bills, you should create a monthly budget – and stick to it. Now is the time to break bad financial habits. Sticking to a budget will also help you build up your savings.

#4: Pay Off Your Balance Every Month

You may have heard that carrying a balance is good for your credit score, but that’s not necessarily true. If your credit score was damaged when you filed for bankruptcy, credit bureaus want to see that you are capable of repaying your debts. For this reason, you should get in the habit of only spending what you are able to repay at the end of the month. Paying off your balance each month is a good way to break the debt cycle.

# 5. Many of our clients have a higher credit score within 12 months of filing than they did prior to filing. The average client with a 500 -550 credit score before filing can often see an increase to 600- 650, 12 months after filing.

Use this short form for quick questions, for more detailed issues schedule an office or phone appointment below

770-6718830

Contact Us