Why a Bankruptcy Attorney is More Affordable Than You Think


Why a Bankruptcy Attorney Can Help Save You Money The number of people filing for bankruptcy has reached its lowest point since 2007. However, experts believe this has more to do with factors other than an increased ability to pay off debts, though a stronger economy is likely still a factor. One key reason for the decrease in bankruptcy filings could be that consumers simply believe they can not afford to pay the legal fees they would incur if they filed. If you are facing bankruptcy, paying an attorney for assistance may seem impossible, given your difficult financial situation. However, a [...]

Why a Bankruptcy Attorney is More Affordable Than You Think2019-02-19T13:44:53-04:00

What is the Automatic Stay Option in Bankruptcy?


Understanding the Automatic Stay Option When medical bills, credit card debts, and other financial burdens have become overwhelming, you may be considering bankruptcy. If you are afraid that filing bankruptcy will mean that you lose your car, home, or other property, you’ll be happy to learn that there are numerous protections in place for consumers who file for bankruptcy. One of which is the automatic stay option. Consumer Protection in Bankruptcy Georgia law allows consumers filing for bankruptcy to claim exemptions for certain property, but this may not be enough to protect all of your property. Thankfully, federal law grants those [...]

What is the Automatic Stay Option in Bankruptcy?2019-02-28T15:16:41-04:00

Does Filing Bankruptcy Affect Your Credit?


How Filing Bankruptcy Will Impact Your Credit Score If you are considering filing bankruptcy, you likely have a lot on your mind. One of the questions is likely how bankruptcy will impact your credit. Fear of being unable to qualify for a future home loan or other forms of credit is the number one hesitation of consumers considering bankruptcy. The hard truth is that bankruptcy will impact your credit, but you can recover and qualify for the life you want. Immediate Credit Impact The good news is that a bankruptcy will either clear your debts or set you up on a [...]

Does Filing Bankruptcy Affect Your Credit?2019-02-28T15:16:50-04:00

What to Do if you Can’t Pay Credit Card Debt


How to Get Help for Credit Card Debt Georgians carry the seventh heaviest debt burden in the nation. With debt outpacing income, it is easy to become overwhelmed by credit card debt. It is no surprise, then, that bankruptcy filings in the south have remained steady, or even climbed slightly, as the rest of the nation benefits from a stronger economy. Dealing with Credit Card Debt When financial pressures and high-interest rates make credit card debt impossible to pay off, you may not know where to turn. You have options, though, and an experienced attorney can help you to evaluate those [...]

What to Do if you Can’t Pay Credit Card Debt2019-02-19T10:11:42-04:00

How Does Bankruptcy Work?


While bankruptcy rates have dropped across the United States, indicating an improvement in the economy that is a welcome change for many consumers, some areas have benefitted more than others. Alabama, Tennessee, and Georgia remain the states with the highest bankruptcy rates. In fact, bankruptcy rates climbed slightly, even as they fell in other states. Continue reading as we answer the question "how does bankruptcy work?" Answering the Question: How Does Bankruptcy Work? Many people wonder "how does bankruptcy work." If you are struggling to keep up with your debts, bankruptcy may allow you to eliminate debt through the sale of [...]

How Does Bankruptcy Work?2019-02-18T15:30:51-04:00

How to Fight Wage Garnishment


Understanding Wage Garnishment If you have fallen too far behind on your bill payments, your creditors may decide to pursue a wage garnishment, which will send a chunk of your paycheck directly to your creditor from your employer. Wage garnishment requires a court order, in most cases, resulting from winning a collection lawsuit against you. This court order will require your employer to withhold a certain amount from your paycheck, which then goes to the creditor, which can be a real financial blow. It is important to note that not every form of debt requires a court order for wage garnishment. [...]

How to Fight Wage Garnishment2019-02-18T15:14:08-04:00

​What are my Options Before and After Car Repossession?


What to Do if You are Facing Car Repossession If you are behind on your car payments, in many cases, your lender can repossess your vehicle without giving you any type of notice. However, bankruptcy can help stop the repossession and can even help you get your car back if it has already been repossessed. Bankruptcy Automatic Stay As soon as you file for bankruptcy, an automatic stay goes into effect. This means that your creditors must stop all attempts to collect their debts from you. They can not call you, move forward with a lawsuit, sell, repossess, or foreclose on [...]

​What are my Options Before and After Car Repossession?2019-02-28T15:23:07-04:00

​What to Consider Before Filing Bankruptcy


Important Points to Consider if You are Thinking About Filing Bankruptcy Bankruptcy can seem like you are pushing a button to reset your finances. If you are considering bankruptcy, you need to know that that fresh start comes with a set of liabilities and gifts. Here are 10 things to think about if you are considering filing bankruptcy. There are two main kinds of personal bankruptcy: Chapter 7 allows you to walk away from your debts entirely and is used by people whose debts are too high or income so low that they do not have money for a payment plan [...]

​What to Consider Before Filing Bankruptcy2019-02-28T15:20:58-04:00

Is Credit Card Debt Dischargeable?


Credit Card Debt and Bankruptcy Credit card debt is one type of debt that can typically be discharged when you file for bankruptcy. However, you are not allowed to file for bankruptcy on credit card debt alone while leaving your other types of debt out of the bankruptcy. If you file for bankruptcy, you are legally obligated to report all debts from all sources. The court will then decide which debts will be discharged and which will not. Bankruptcy and Debts When you file bankruptcy, you will be required to make a list of all debts you owe to all creditors. [...]

Is Credit Card Debt Dischargeable?2019-02-18T13:56:14-04:00

​How to Challenge a Mortgage Foreclosure


Can I Successfully Challenge My Mortgage Foreclosure? In the past, it was relatively rare to be able to form a successful defense against real estate bankruptcy or mortgage foreclosure. However, since the foreclosure crisis, many homeowners have been able to challenge foreclosure actions successfully. This is due in part to emerging evidence that the mortgage servicing industry has been making a multitude of errors. Because of such evidence, courts have shifted their sympathies from the mortgage industry to homeowners. Homeowners and the attorneys representing them may now be able to take advantage of this judicial attitude change and challenge a foreclosure. [...]

​How to Challenge a Mortgage Foreclosure2019-02-28T15:24:31-04:00
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