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Helping people in need.
Call Us Today!
(706) 291-7060

Cost/Tennessee or Georgia?

Is only  $1,299 in most cases!
Here are general guidelines on what I charge for attorneys fees in Chapter 7 Cases:
  • Court filing fee - $306.
  • Attorney fee for below median income level consumer debtor $993.
  • Attorney fee for above median income level consumer debtor add $500.
  • Attorney fee for individual with a small business add $500.
  • For cases that are unusually difficult or require excessive time, there may be an extra charge.
Chapter 13
Is only $75 to start in most cases!
In most cases, my attorneys fees are included in the Chapter 13 repayment plan, and only $75 down is required to file your case.

Here are generally guidelines on what I charge for attorneys fees in Chapter 13 Cases:

Chapter 13 with no mortgage- $3,975
Chapter 13 with mortgage- $4,500
Chapter 13 stripping off second mortgage $5,000

Should I File My Case in Tennessee or Georgia?

The Dangers of Filing Bankruptcy Across State Lines

Many people who live in Georgia file their case in Chattanooga, Tennessee out of convenience. However, little do they know that they have just added an unnecessary and serious potential problem to their case!

The problem with most cases filed across state lines is that they have "improper venue," which means that they are simply filed in the wrong district. If no one complains, then the Court can allow the case to continue uninterrupted. However, if even one creditor (or a Trustee) objects, the case HAS to be moved to the proper district. I have seen quite a few cases filed in Chattanooga, Tennessee that had to be moved to Rome, Georgia after a creditor objected. There is even one very active creditor's attorney who objects every time he gets a chance simply because he thinks that the rules should be enforced!
What are some of the possible dangers of filing bankruptcy in the wrong venue?
(1) You may have to attend court up to twice as many times.
(2) You may have to take extra time off work and lose money.
(3) You may have to submit multiple plans and other paperwork.
(4) You may need to switch attorneys and therefore incur more attorneys fees.
(5) Future house payments are added to the chapter 13 payment in the Chattanooga court, but you pay them separately in the Rome court. If the case gets transferred, you suddenly may be scrambling to catch up the missing house payments! (I have personally seen this happen.)
(6) The case could be dismissed, and you have to repay the $281 filing fee to the court, not to mention having to pay attorney's fees for the old case and the new case.
(7) Checking the box on your forms saying that venue is proper (when you actually know that it is not) could be perjury!
(8) Worst case scenario - The case could be dismissed, and you lose your house, cars, or other property. 

Call Us Today At ♦ (706) 291-7060

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    Chris Rampley

    103 W 8the Ave

    Rome, GA 30161
    Phone: (706) 291-7060


    Chris Rampley

    911 N Tennessee St
    GA 3012

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    Business Hours

    Mon - Fri:   9 AM - 5:30 PM
    Sat - Sun:  Closed