Bankruptcy Group

Welcome to our law firm, where we provide dedicated legal assistance to clients facing financial challenges. With offices in Brunswick, Hazlehurst, and Jesup, Georgia, we cater to clients across the state seeking relief through bankruptcy, assistance with IRS matters, and representation in injury cases. Our experienced team, led by R. Flay Cabiness, II, is committed to delivering personalized service and ensuring that each client receives the attention they deserve.

R. Flay Cabiness, II, the firm's founder, is an experienced attorney who has served as Deputy Magistrate Judge for Glynn County. He holds a Bachelor of Arts in Political Science and Philosophy from North Carolina State University and a Juris Doctor from Mercer University's Walter F. George School of Law, where he was a member of the Mercer Law Review and the Brainerd Curie Honor Society.

At our firm, we understand the emotional and financial burden debts can place on individuals and businesses. Our primary goal is to help clients regain control of their financial situations and achieve long-term financial health. We offer a range of services, including assistance with Chapters 13, 7, and 11 bankruptcy filings for both consumers and businesses. Moreover, we have the expertise to represent clients in IRS matters, ensuring that they receive fair and ethical treatment under the law.

Over the years, we have built a reputation for providing compassionate, personalized attention to our clients. While technology has facilitated remote communication, we understand the importance of face-to-face interaction and offer phone and video consultations for those who prefer the convenience of virtual meetings.

Bankruptcy Services

Our law firm specializes in assisting clients with bankruptcy filings, helping individuals and businesses find relief from overwhelming debts. We provide expert advice and guidance on the best course of action for each case, whether it involves Chapter 13, 7, or 11 bankruptcy proceedings.

• Chapter 13: Commonly referred to as "reorganization bankruptcy, " Chapter 13 allows individuals to create a manageable repayment plan for a percentage of their total debt over a 3-5 year period. This option permits the debtor to keep their home, car, and other belongings while securing a fresh start.
• Chapter 7: Also known as "liquidation bankruptcy, " Chapter 7 enables eligible individuals to eliminate most, if not all, of their unsecured debts, such as credit card balances and medical bills. While some assets may be sold to repay a portion of the debt, many clients are able to retain most of their belongings under Georgia's bankruptcy exemptions.
• Chapter 11: Primarily used by businesses seeking to restructure debts while remaining operational, Chapter 11 bankruptcy allows for the reorganization of debts and operational changes to increase profitability and ensure long-term success.
• Consumer and Business Cases: Whether you are an individual seeking relief from personal debts or a business owner in need of assistance with corporate financial challenges, our experienced legal team can help you navigate the complex bankruptcy process and provide the guidance necessary to make informed decisions.

IRS and Taxation Services

Our firm understands the complexities and nuances of the Internal Revenue Service and offers professional representation to clients facing IRS difficulties. Our expertise includes:

• IRS Audit Representation
• Unfiled Returns and Penalty Abatement
• Offers in Compromise
• Installment Agreements
• Innocent Spouse Relief
• Tax Levies, Liens, and Seizures
• Payroll Tax Issues

Additional Legal Services

As a full-service law firm, we not only provide bankruptcy and IRS assistance but also offer representation in various other legal matters, including:

• Georgia Social Security Lawyer: Disability and SSI Claims for Adults and Children
• Georgia Injury Lawyer: Auto Accidents, Motorcycle Accidents, Slip and Fall, Brain Injury, Wrongful Death, Premises Liability, Product Liability, and Medical Malpractice
• Georgia Wills, Trusts and Probate Lawyer: Wills and Trusts, Probate, Will Contests, Powers of Attorney, and Georgia Advance Directive for Health Care