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We represent clients in Athens Georgia, Watkinsville, Carnesville, Elberton, Homer, Jefferson, Danielsville, Lexington, Hartwell, Winder, and Clarke County, Oconee County, Elbert County, Franklin County, Banks County, Jackson County, Madison County, Hart County, Barrow County and Oglethorpe County, Piedmont Judicial Circuit, Northern Judicial Circuit, Athens-Clarke County GA. Honest debtors can start life afresh by filing for bankruptcy. Bankruptcy will discharge most of their debts. Title 11 of the United States Code (the Bankruptcy Code) is the governing law on Bankruptcy and contains six chapters. Most debtors generally file for bankruptcy under Chapter 7 or Chapter 13 of the Code.