Posts by Lee Paulk Morgan
What Is The Fastest Way To Get Out Of Debt Legally
The fastest legal way to get out of debt depends on your situation, but Chapter 7 bankruptcy is often the quickest path to a court-ordered discharge of qualifying unsecured debts, while Chapter 13 typically lasts…
Read MoreWhat Happens If You Wait Too Long To File Bankruptcy
You’re paying the minimums, moving one bill behind another, and letting unfamiliar numbers go to voicemail. The mortgage letter stays unopened on the counter for a day, then three. You tell yourself you just need…
Read MoreCan I Gift Money Before Filing Bankruptcy? (Legal Risks)
You can give money before filing bankruptcy, but gifts over $600 to one person within the two years before filing must be disclosed, and transfers made within that two-year window can be challenged by a…
Read MoreCan Utility Bills Be Included In Bankruptcy In Georgia?
Yes, past-due utility bills can be included in a Georgia bankruptcy, and the chapter you file matters. In Chapter 7, pre-filing utility debt is generally dischargeable and you typically have 20 days after filing to…
Read MoreCan I File Bankruptcy With No Income In Georgia? (2026 Guide)
Yes, you can file for bankruptcy in Georgia with no income. For individuals in that situation, Chapter 7 is the realistic option, and the Chapter 7 filing fee is $338 unless the court grants a…
Read MoreHow Many Payments Before Car Repossession In Georgia
You miss a car payment, tell yourself you’ll catch it up next check, and keep going to work, school drop-off, and doctor visits like normal. In Georgia, that assumption can be dangerous. A lot of…
Read MoreWhat To Do If You Are Being Sued For Debt In Georgia
The envelope usually arrives on an ordinary day. Then you open it, see a court caption, a plaintiff’s name, and allegations about a debt you may or may not fully recognize. It’s common to feel…
Read MoreCan You Settle Debt After Being Sued? (2026 Guide)
Yes, you can settle debt after being sued, and creditors often accept 30% to 50% of the debt before judgment or 40% to 60% below the judgment amount after judgment when it makes economic sense.…
Read MoreWhat Debts Should I Stop Paying Before Bankruptcy In 2026
When money is tight, the first question isn’t usually, “Should I file bankruptcy?” The more immediate concern is: Which bill do I pay this week, and which one can wait? That question usually shows up…
Read MoreCan I Transfer Assets Before Filing Bankruptcy In Georgia
Debt pressure changes how people think. When you’re staring at foreclosure notices, collection calls, past-due car payments, or a bank account that never seems to recover, it can feel logical to move property out of…
Read More