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We are looking forward to speaking with you soon, but should the matter be extremely urgent, please contact us at 912-554-3774.

Meet Your Legal Team

Dedicated advocates committed to guiding you through every step of the bankruptcy process

R. Flay Cabiness, II

Flay earned degrees in Political Science and Philosophy from North Carolina State University and a law degree from Mercer University in 1997, and is admitted to multiple Georgia courts while serving as a Deputy Magistrate Judge in Glynn County. He founded his own law firm in 2003, focusing on bankruptcy and general practice, and later expanded to multiple office locations. Originally from North Carolina, he now lives in Brunswick, Georgia with his family and remains active in his community.

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Real Stories, Real Results

From Client to Advocates, Dedicated Legal Trust

My wife and I are extremely grateful for Mr. Flay and his office staff for all they did to help my wife with her disability case. I tried numerous lawyers to help me over the last 4 years, but all of them treated me just like a number and not a person. I could never get them to return calls or help me with all the issues you have when you file a disability claim. But this office is different!!! Their secret weapon is Mrs. Melanie. She is on IT!!!! She calls you back. She answers all your questions. She walks you thru stuff you don't understand. She goes over and beyond to make you feel SEEEN and HEARD when you are in a difficult situation. So, if you ever need help, try this office FIRST and you will be surprised at the Kind and Professional staff you have working for YOU!!!

jon young

The staff was very nice. This is my first time filing Bankruptcy, they told me how to get things done đź‘Ť and they will give you time but make sure it's ready by the extended due date. You have any questions they will be there to answer what you need to know and very patient. Aubrey, she nice and she made me laugh at times. Very professional business. I recommend R Flay Cabinets ll PC.

Sheila Rauls

I mostly met /spoke with Autumn, and she was amazing. Very attentive, and professional. I emailed her late on a weekend and got an instant response when I didnt expect a response until Monday. She was great, and very friendly. The few times I met with Nina (sorry if I butchered your name) she was amazing too! Very sweet and professional to. 10/10 would recommend this firm to others. Especially if you want kind, caring, and understanding people to represent you.

Miranda Harrison
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Frequently Asked Questions?

What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a reorganization process that allows individuals with regular income to repay all or a portion of their debts through a structured payment plan lasting three to five years. Instead of liquidating assets, Chapter 13 helps you catch up on missed payments, protect your property, and often pay unsecured debts—such as credit cards and medical bills—at a reduced amount.

Chapter 7 bankruptcy involves liquidation and is sometimes called straight bankruptcy. For most people, a Chapter 7 bankruptcy filing is a fairly simple and quick proceeding. In most cases, it takes less than three months after filing for an individual to receive a discharge of debts.

Most individuals and businesses can file for bankruptcy if they meet certain requirements, which depend on the type of bankruptcy. An attorney can evaluate your specific financial situation to determine your eligibility and the most appropriate chapter to file.
Married couples have the option to file a joint bankruptcy petition, which is often more efficient and cost-effective than filing separately. It combines your debts and assets into a single case, but it is not required. You can discuss the pros and cons of joint versus individual filing with your attorney.

The duration of a bankruptcy case varies by chapter. A typical Chapter 7 case is completed in about three months. A Chapter 13 case, which involves a repayment plan, generally lasts between three to five years from the date the plan is confirmed by the court.

Bankruptcy laws are federal, but GA exemptions protect certain assets like equity in your home, a vehicle, and personal belongings. The immediate impact is an automatic stay that stops collection actions, providing relief. In the long term, it can offer a fresh start while allowing you to retain essential property under GA law.
Yes, but there are waiting periods between filings. The length of time depends on the chapter you previously filed and the chapter you wish to file now. For example, you must typically wait eight years after a prior Chapter 7 discharge to file another Chapter 7 case. An attorney can advise you on your specific timing.
Not necessarily. In a Chapter 7 case, many assets are protected by state and federal exemption laws. In GA, exemptions can shield your home, car, retirement accounts, and household goods. In a Chapter 13 case, you typically keep all your assets while repaying a portion of your debts through a court-approved plan.