Augusta Low Cost Bankruptcy Center is a dedicated bankruptcy law firm specializing in Chapter 7 and Chapter 13 cases, serving individuals and small businesses in the Augusta area. The firm stands out by offering direct, personalized service from experienced attorneys Clay Ward and Joseph Spires, ensuring clients are never handed off to junior staff. With a commitment to affordability, they provide $0 down payment plans and flexible fee structures based on each client’s financial situation.
The firm takes a full-service, compassionate approach, focusing on stopping creditor harassment, foreclosure, and wage garnishment immediately upon retention. With over 45 years of combined experience, they assist clients in preserving assets like homes, vehicles, and retirement accounts while guiding them through the bankruptcy process with dignity and respect. Their streamlined, three-step process allows for entirely virtual consultations and filings, eliminating the need for office or court visits.
Services Offered
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Debt Elimination
- Foreclosure Prevention
- Creditor Harassment Protection
- Wage Garnishment Relief
- Mortgage and Loan Restructuring
- Asset Protection (homes, vehicles, retirement accounts)
- Free Bankruptcy Consultations
- Social Security Disability Claims (related assistance)
Serving the greater Augusta, Georgia area, the firm offers consultations via phone, video, or in-person appointments, with availability on evenings and weekends. Both attorneys are deeply involved in the local community, with Clay Ward serving on boards such as the Walton Foundation for Independence and Joe Spires bringing over 25 years of coaching experience to his client-centered practice.
