Hello, I’m Jonathan Ginsberg and I am one of the owners of Ginsberg Law Offices. Ginsberg Law has been in business since 1997 and I have personally been practicing consumer bankruptcy law in the Atlanta area since 1987.
Besides this website, I blog about personal bankruptcy matters on my law firm blog, and on the Bnakruptcy Law Network blog, where I am one of the founding members and serve on the executive board of this multi-state legal blog.
I am AV rated by Martindale Hubbell and I have been awarded the “Client’s Choice” badge by AVVO.
Although the bankruptcy laws have changed significantly since 1990, when I filed my first few cases, the questions and concerns I hear from my clients remain the same:
- will I ever get credit again?
- am I going to lose my house, car, and personal property if I file bankruptcy
- is someone going to come to my house to look at my things and force me to live on a bread and water budget?
- am I going to have to face an angry judge
- how much is all this going to cost
I can say with certainty that personal bankruptcy is remarkably low stress, and that you are unlikely to have to give up any property and that you will most likely never even see a judge. I can also tell you that your credit will bounce back quickly - usually within a year after your case is over and sometimes sooner. The cost of bankruptcy will depend on the specifics of your case but in general you can expect to pay around $1,500 for Chapter 7 and around $1,000 up front (or Chapter 13, with an additional $3,500 paid by the trustee from your Chapter 13 plan.
More generally, however, the biggest help I can provide my clients relates to peace of mind. In my experience bankruptcy is more about getting back your peace of mind than it is about discharge of debt. And if I can make that process go smoothly for you, then your bankruptcy will be a success.
I was born and raised in Atlanta to a very middle class family. My parents were self employed and I can remember a few times when we had no meat in the refrigerator and no gas in the cars. Fortunately, both my mom and dad were very creative and understood the power of educating their customers. My dad was a journalist and, eventually, a trade magazine publisher. My guess is that if the Internet had existed back in the 1970's and 80's he would have published website and recorded videos like I do.
I live in Sandy Springs with my wife (and law partner, Jodi). We have 2 young adult children - Jake, a financial analyst (and my video editor) and Jessie, who is about to finish law school at Emory.
I work out pretty much every day and I play in a local men’s basketball league. I’m not very quick anymore but I can still shoot effectively, especially with my left handed basketball.
Although I am an attorney, I sometimes need to hire an attorney for various legal matters like estate planning and business issues, so I know what it is like to sit on both sides of the desk. I also know how frustrating it can be not to get calls or emails returned, or not to know in advance how much a legal service will cost. So I strive not to let those bad habits seep into my own practice. It may sound trite, but I try to serve my clients in a manner that I would like to be served when I am the client.