Recent Blog Posts

As you plan for bankruptcy, it is important to understand the difference between secured and unsecured debt. A knowledgeable Atlanta, GA bankruptcy attorney can help you make informed decisions about how to prioritize your debts. Collateral — something you pledge as security for repayment of a loan — is not required for unsecured debt, like…

If you are experiencing financial problems, you may be wondering how often you can file for bankruptcy. The short answer is, it depends if you received a discharge in a prior bankruptcy. If your debts were not discharged, you can file as many times as you like. However, if you received a prior discharge, revisions…

To file for bankruptcy, you need to provide financial information backed up by documentation. Gathering together the correct documents can help your bankruptcy proceed smoothly and quickly. Along with proof of your identity in the form of a photo I.D. and Social Security card, you are required to supply: Creditor information. The name, address, account…

Once you file for Chapter 7 bankruptcy in Georgia, your focus is usually on protecting your assets by hoping that the majority, if not all, of your possessions will be marked exempt from liquidation. Because of Georgia’s liberal exemption laws, our clients often have very minimal property losses, if any at all, but it is…

In these tough economic times, it is not uncommon for people with stable income to be overburdened by debt. If you spend most (if not all) of your paycheck on payments to creditors, if your mortgage lender has threatened to foreclose on your home, or if you have received notice that your wages will be…

The process of filing for Chapter 7 bankruptcy in Georgia may seem complicated and can be difficult for anyone to understand. However, don’t get discouraged. Chapter 7 can eliminate your debt and alleviate the stress associated with your financial burdens. We have provided below the answers to some frequently asked questions about Chapter 7. We…

If you owe money, creditors have the right to contact you. However, they are not allowed to harass you or threaten you just because you are in debt to them. Under the Georgia Fair Debt Collection Practices Act (FDCPA), creditors can be sued for crossing the line from lawful contact to harassment. A credit harassment…

A wage garnishment is a court order given to your employer that requires him or her to withhold a portion of your paycheck to give directly to your creditor. While states have the ability to place limits on how much income may be garnished, Georgia follows federal law in this area. If you are having…

If your debt is mounting and you are finding it difficult to keep up with your payments, you may consider filing for Chapter 13 bankruptcy. Thousands of people in Georgia who have sought Chapter 13 bankruptcy protection have discovered the many benefits of debt reorganization. Why do people choose Chapter 13? Chapter 13 allows you…

As you consider filing bankruptcy, you must account for the type and amount of debt you have and for which type of bankruptcy to file in order to best resolve your financial crisis. Chapter 7 is the most frequently filed for and fastest type of consumer bankruptcy. Known as “liquidation” bankruptcy, Chapter 7 allows you…