Bankruptcy Guide

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About Woodruff Law

After more than twenty years experience working as a senior paralegal with a commercial finance company, where Ronna dealt with commercial lending contracts in which large amounts of money were involved, Ronna went on to become an attorney at law. Upon graduation from law school, and passing the Georgia Bar, she went to work for one of the largest bankruptcy law firms in the Atlanta area, Clark & Washington, P.C. During her tenure there, she successfully represented several hundred clients in all aspects of Chapter 7 and Chapter 13 bankruptcies. Ronna was recognized by members of that firm for outstanding achievement and overall dedication to client satisfaction.


When I went to see Mrs. Woodruff, I was upset about having to file bankruptcy…again. She not only assured me that it was the right option to take but walked me thru the entire process. I was never unaware of what was happening with me case. Mrs. Woodruff fully explained the implications of making certain decisions as well as prevented me from making a huge mistake. I’m very grateful to her for all her hard work, she made filing bankruptcy bearable.

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Bankruptcy Facts

Is filing for bankruptcy moral?

One of the main purposes of bankruptcy is to relieve an honest debtor of debts, thereby providing an opportunity for a fresh start. Bankruptcy was given recognition in 1789 upon the adoption of the U.S. Constitution where it says that Congress shall have the power to establish “uniform laws on the subject of Bankruptcies” throughout the United States. U.S. Const. I, section 8, Cl. 4. Involuntary bankruptcy was the first act enacted by Congress in 1800 and voluntary bankruptcy followed in 1841. The framers of our Constitution, in their ultimate wisdom, wanted to provide the honest debtor, who got into circumstances beyond their control, with a way out so that they could rebuild their financial future.

Will bankruptcy help me?

Yes, in most situations bankruptcy helps because you get out of debt and it provides you with a fresh start. Your debt is either completely eliminated or repaid over time. By filing for bankruptcy, you, the honest debtor, are afforded a fresh start and you’re able to regain control of your financial future.

How long does bankruptcy remain on my credit report?

Generally, up to 10 years; however, most individuals can start reestablishing their credit after receiving their discharge. After receiving a discharge, you should check your credit report to ensure that all debts were discharged. Click here for valuable information regarding consumer credit protection.

Am I qualified to file for bankruptcy?

Your ability to file for bankruptcy is determined by a series of calculations that look at the ratio of your income to debt, as well as your income to the median income for the State of Georgia for your household size. To determine if you qualify, you will receive a free consultation with no obligation at Woodruff Law offices.

Why file bankruptcy with Woodruff Law offices?

At Woodruff Law offices, an attorney will handle your case from start to finish, and you will be treated with the personal attention, respect, and dignity that you deserve. Our standards for excellent client services are high, and every employee at Woodruff Law offices is expected to meet or exceed those standards.

What does it mean to receive a discharge?

Most people who file for bankruptcy expect that the bankruptcy will wipe out all of their debts. These expectations are not always realized. There are certain debts in a bankruptcy that are non-dischargeable. During your free consultation, an attorney at Woodruff Law offices will discuss with you those debts that are dischargeable and those that are non-dischargeable.

Does filing for bankruptcy stop my creditors from harassing or contacting me?

Yes. After filing for bankruptcy, your creditors can no longer contact you at all. They may only contact your attorney. If they contact you, they will violate the automatic stay provision of the Bankruptcy Code. The automatic stay is a statutory injunction that takes effect when a bankruptcy petition is filed and protects you, the property of the estate, and your property from certain actions by creditors. It is designed to provide you with breathing space and applies to all entities.

What's an estate?

When you file for bankruptcy, the filing of the bankruptcy petition creates an “estate” consisting generally of the property of the debtor as of the time of the bankruptcy filing. The estate is treated as a separate legal entity, separate and apart from the debtor.

Generally, what creditor acts are prohibited?

Once your bankruptcy is filed, a creditor cannot (1) proceed against you with a lawsuit or judgment; (2) bother or intimidate you about the repayment of an obligation that arose prior to filing bankruptcy; (3) follow through with repossessing your car; or (4) continue with a foreclosure proceeding.

Are all my debts dischargeable in a bankruptcy?

No, certain debts in a bankruptcy are not dischargeable, e.g., child support and alimony obligations, certain tax debts, student loans, debts incurred from a person’s bad behavior (i.e., debt incurred from drunk driving).

Who is the Trustee and what is their role in my case?

The bankruptcy Trustee is a representative of the estate. In a Chapter 7 case, the Trustee collects the debtor’s nonexempt property, converts that property to cash, and distributes the cash to the debtor’s creditors. In a Chapter 13 case, the Trustee reviews and, where appropriate, contests the debtor’s plan of reorganization and, after the Court approves the debtor’s Chapter 13 plan, serves as a disbursing agent for payments to the debtor’s creditors under the Chapter 13 plan. As your attorney, we will help you in dealing with the trustee assigned to your bankruptcy case.

Will filing a Chapter 13 help me with money owed to the IRS or the State Department of Revenue?

Certain tax debt may be dischargeable. At Woodruff Law offices, we will assist you in determining what portion is dischargeable, if any, and what portion is repayable through your Chapter 13 plan.

My car was repossessed yesterday, can I get it back by filing bankruptcy today?

Generally, yes; you have a certain amount of time after your car is repossessed in order to get it back. However, your bankruptcy must be filed within that timeframe, and you must have proof of full coverage auto insurance in order to get your vehicle back.