The Law Office of Patricia R. Stout

(470) 444-9720

Hours of Operation
Mon - Thurs: 10:00 AM - 6:00 PM
Available After-Hours by Appointment Only

Knowledgeable, Personal

Chapter 7 Bankruptcy Assistance

Specializing in Chapter 7 Bankruptcy

Free Consultation

An Experienced Bankruptcy Lawyer in Covington, GA

There’s no shame in declaring bankruptcy. Bankruptcy is a useful legal tool that lets you get back on your feet after tough financial times. At The Law Office of Patricia R. Stout, we walk you through the bankruptcy process with friendly, personalized service -- and we never judge our clients. Patricia Stout is an experienced bankruptcy lawyer in Covington, GA, who has helped countless individuals and families through the process. Contact our office today for a bankruptcy consultation.

Bankruptcy Icon

Qualifying for Bankruptcy

Chapter 7 or 13 Icon

Chapter 7 or 13

Document Icon

How to File

Call (470) 444-9720

to book a free initial bankruptcy consultation.

Member of the Georgia Bar

Law Office, Bankruptcy Lawyer, Covington, GA

About Us

The Law Office of Patricia R. Stout is a legal practice that helps clients file for Chapter 7 or Chapter 13 bankruptcy. Our goal is to provide high-quality, personalized bankruptcy assistance in a welcoming, relaxed environment. All clients receive one-on-one attention from our bankruptcy lawyer from the moment they walk in the door. Our goal is to remove the stigma from bankruptcy and help our clients decide whether declaring bankruptcy is the right decision for them.

The Difference Between Chapter 7 & Chapter 13 Bankruptcy

There are two forms of bankruptcy available to individuals or families in the United States -- Chapter 7 and Chapter 13. When you file for Chapter 7 bankruptcy, your property will be sold in order to pay your debts -- but certain forms of property are exempt. You are eligible to keep a certain amount of equity in your home and vehicle, for example. If your equity is less than the exemption amount, your home may not be sold at all.

Chapter 13 bankruptcy is considered a form of debt restructuring and is only available to people whose debts are less than a certain maximum amount. When you file for this type of bankruptcy, you get to keep all your property as long as you stick to a repayment plan determined by the court during the bankruptcy process. 

Deciding which form of bankruptcy is right for you can be difficult, but our bankruptcy lawyer is here to guide you through the process. If you have low equity in your home, a Chapter 7 bankruptcy is often a better option, as it allows you to discharge unsecured debts -- such as credit card debts, medical bills, and utility bills. Contact us today for a bankruptcy consultation to find out more about the difference between Chapter 7 and Chapter 13 bankruptcy.


Contact us to learn more about declaring bankruptcy. We serve clients in Covington, GA, and surrounding areas.

(470) 444-9720

5167 Pratt St. SW
Covington, GA 30014


Service Area
Covington, GA, and Surrounding Areas

Hours of Operation
Monday - Thursday: 10:00 AM - 6:00 PM
Available After-Hours by Appointment Only