Posts by Christopher Ross Morgan
What Happens to Your Credit When You Start Filing for Bankruptcy in Georgia?
For many people, debt can be a crushing burden. Everyday Americans are struggling with home mortgages, car loans, student loans, credit card debt, and so much more. Finding a way out can seem impossible. You’re…
Read MoreCan All of My Debts Be Written Off by Bankruptcy in Georgia?
Debt – it’s one of the few things that most Americans have in common. In addition, the debt burden that most of us carry is increasing. We are rapidly approaching all-time highs for consumer debt…
Read MoreHow Long After Bankruptcy Can You Buy a House in Athens, GA?
Rules vary among different lenders if you’re asking, How long after bankruptcy can you buy a house in Athens, GA? Government-backed loans, like VA loans, usually have shorter waiting periods. Generally, you must wait between…
Read MoreShould I File Bankruptcy in Athens, GA?
For many distressed debtors, bankruptcy is an absolute last resort after they exhaust all other options. That’s technically true. However, since the Supreme Court recently struck some key consumer protections from the Fair Debt Collection…
Read MoreHow Long Does Chapter 7 Stay on Your Credit Report in Athens, GA?
Chapter 7 filings usually stay on your Georgia credit report for ten years. That’s a long time, but it certainly is not forever. Moreover, the discharged debts, like credit card accounts, fall off much sooner…
Read MoreWhen Should I File Chapter 7 Bankruptcy in Athens, GA?
Frequently, bankruptcy is the only protection that debtors have from aggressive creditors. The Supreme Court has recently diluted some of the key consumer protections in the Fair Debt Collections Practices Act. So, if you are…
Read MoreIs Chapter 13 Bankruptcy a Public Record?
Most people file bankruptcy because of job loss, high medical bills, or another event which was beyond their control. Nevertheless, some people equate bankruptcy filing with financial failure. So, the fact that Chapter 13 filings…
Read MoreHow Long is Chapter 13 Bankruptcy in Athens, GA?
Largely depending on your income, Chapter 13’s protected repayment period usually lasts either three or five years. During the PRP, debtors make income-based monthly payments which eliminate secured debt arrearage, like mortgage arrearage, as well…
Read MoreWhen Should I File Chapter 13 Bankruptcy in Athens, GA?
When creditors make unreasonable payment demands and/or threaten your family, you should at least consider filing bankruptcy. A voluntary bankruptcy petition is the only way for your family to get a fresh start away from…
Read MoreHow Does Foreclosure Work in Georgia?
If you have been struggling to make your mortgage payments and you are headed towards foreclosure, it’s important to understand how this process works in the state of Georgia. Since Georgia is a “non-judicial foreclosure…
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