Bankruptcy cases in Middle Georgia are filed with the U.S. Bankruptcy Court for the Middle District of Georgia, Macon Division. Chapter 7 eliminates most unsecured debts. Chapter 13 creates a 3-to-5-year repayment plan. Georgia exemptions protect up to $21,500 in home equity, $5,000 in a vehicle, and necessary household items. Filing stops all collection actions through the automatic stay. The five firms below handle bankruptcy across Middle Georgia.
1. Julius King LLC — Macon
Julius King graduated with honors from Morehouse College and Duke University School of Law. Over 20 years of experience since 2003. Specializes in Chapter 7 and Chapter 13, debt settlement, foreclosure defense, and credit score recovery guidance. Free consultations. BBB accredited.
Practice areas: Chapter 7, Chapter 13, debt settlement, foreclosure defense, wage garnishment, repossession.
Address: Macon, GA
Phone: Contact via website
Website: https://www.jkingllc.net
Hours: Mon-Fri, office hours; free consultations
2. L. Wayne Gilleland, Attorney at Law — Macon
Dedicated bankruptcy attorney in Macon. Handles Chapter 7 and Chapter 13 exclusively. Free initial consultations.
Practice areas: Chapter 7, Chapter 13.
Address: Macon, GA
Phone: (478) 207-6901
Website: https://www.maconbankruptcylaw.com
Hours: Mon-Fri, office hours
3. The Law Office of Sherry L. Johnson — Macon / Warner Robins
One-on-one attention. Handles Chapter 7 and Chapter 13 and helps stop foreclosures, garnishments, and repossessions. Free consultations.
Practice areas: Chapter 7, Chapter 13, foreclosure defense, garnishment defense, repossession defense.
Address: Macon, GA; Warner Robins, GA
Phone: Contact via website
Website: https://www.slj-law.com
Hours: Mon-Fri, office hours
4. Gail C. Robinson, Attorney — Warner Robins
Member of the National Association of Consumer Bankruptcy Attorneys. Practicing since 1995. Free bankruptcy consultations. Also handles adoptions, uncontested divorce, wills, and probate.
Practice areas: Chapter 7, Chapter 13, adoptions, uncontested divorce, wills, probate.
Address: 233 Carl Vinson Pkwy, Warner Robins, GA 31088
Phone: (478) 929-9702
Website: https://www.gailrobinsonlaw.com
Hours: Mon-Fri 8:30AM-5PM
5. Cliff Carlson Law — Warner Robins
Warner Robins-based debt relief agency. Licensed in Georgia and Texas. Registered patent attorney and consumer rights lawyer. Focuses on helping individuals stop creditor harassment.
Practice areas: Chapter 7, Chapter 13, debt relief, consumer rights.
Address: Warner Robins, GA
Phone: Contact firm directly
Website: Contact firm directly
Hours: Mon-Fri, office hours
FAQ
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 liquidates non-exempt assets and discharges unsecured debts in 3 to 4 months. Must pass a means test. Chapter 13 creates a 3-to-5-year repayment plan. Better if you have regular income, want to keep a home in foreclosure, or need to catch up on car payments.
How much does bankruptcy cost in Middle Georgia?
Chapter 7 attorney fees: $1,000 to $2,000 plus $338 filing fee. Chapter 13: $3,000 to $5,000, usually paid through the plan. Credit counseling course required before filing ($10 to $50) and debtor education after ($10 to $50).
Will bankruptcy stop wage garnishment?
Yes. The automatic stay stops garnishments, lawsuits, collection calls, foreclosure, and repossessions the moment you file. Violating creditors can be held in contempt.