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How to Stop Wage Garnishment in Georgia

April 18, 2024

Wage garnishment can present a significant financial hurdle, especially when you are already struggling to meet your basic living expenses. In Georgia, understanding your rights and options is crucial to managing or halting a wage…

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Bankruptcy for Retirees – Protecting Your Golden Years in Georgia

April 14, 2024

Leaving the workforce is exciting as you think about the new opportunities that await you, but you could have significant concerns about retiring if you are in trouble with debt. You will no longer be…

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Dealing with Co-Signed or Joint Debts During Bankruptcy in Georgia

April 7, 2024

Facing decisions on how to manage debt is difficult enough for an individual, so you are dealing with additional challenges when your debt encompasses the financial interests of another person. Your debts are closely intertwined,…

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Preparing for Bankruptcy in Georgia – Steps to Take Before Filing

April 1, 2024

When debt has become overwhelming and you dread picking up calls from creditors, it is wise to consider your options for discharging debt through bankruptcy. There are two types of filings for individuals and married…

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A man in a dark blue suit, selecting BANKRUPTCY from a list of translucent word choices that fill the foreground of the image to make it look like a smart phone screen, posing the question, What is a strategic bankruptcy in Athens Georgia?

What Is a Strategic Bankruptcy?

Strategic bankruptcies, as opposed to necessary bankruptcies, are most commonly associated with Chapter 11 business bankruptcies. Additionally, some small businesses are eligible for Chapter 5 bankruptcies. Lawmakers created this streamlined procedure because of the coronavirus…

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A stressed man with his hand on his forehead, behind an orange graphic that says BANKRUPTCY CHAPTER 7, posing the question, what happens when you file chapter 7 bankruptcy?

What Happens When You File Chapter 7 Bankruptcy in Athens Georgia?

The fear of the unknown is one of the main reasons people suffer from bankruptcy phobia, which is an unreasonable fear of bankruptcy. It is understandable that people might be afraid of what happens when…

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An areal view of a city's financial district, posing the question, Do I have other options besides filing bankruptcy in Georgia?

Do I Have Any Other Options Besides Filing Bankruptcy in Georgia?

Until recently, a number of very attractive bankruptcy alternatives were available in Georgia. Unfortunately these options aren’t nearly as attractive as they were in 2015. While there are other option besides filing for bankruptcy in…

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coming to the conclusion that you need to file bankruptcy

Which Is Better Chapter 7 or Chapter 13 in Georgia?

A number of factors go into deciding which is better Chapter 7 or Chapter 13 bankruptcy. The type of debt is, by far, the most important factor. When unsecured debts are the disease, Chapter 7…

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A credit report showing a 760 credit score, placed on a desk with a pen and part of an Apple keyboard.

How Long Does Chapter 13 Stay on Your Credit Report?

In most cases, a Chapter 13 filing stays on a credit report for seven years. That’s substantially less time than a Chapter 7, because in a Chapter 13, debtors repay all their delinquent secured debts, such…

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A man sitting at a desk with a pencil in is hand and hand on his forehead in exasperation as he sites at a desl surrounded by papers. A big orange banner is located on the bottom half of the image with " BANKRUPTCY CHAPTER 7" in large black letters, posing the question, "What Does Chapter 7 Bankruptcy Cover?"

What Does Chapter 7 Bankruptcy Cover in Athens, GA?

Most people file bankruptcy for reasons that are at least mostly beyond their control. High medical bills, which prompt about two-thirds of all bankruptcy filings in Georgia, are a good example. If you’re asking what…

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A calculator and pencil lay atop a booklet titled "Bankruptcy Tax Guide", posing the question, Does Chapter 13 Bankruptcy Affect Tax Returns?

Does Chapter 13 Affect Tax Returns in Georgia?

This frequently asked question opens one of the largest cans of worms in a Chapter 13 bankruptcy. It involves various complicated issues, mostly the nature of the bankruptcy estate and the aggressiveness and diligence of…

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A college graduation cap sitting atop many $100 bills, posing the question, Does Chapter 13 Bankruptcy Cover Student Loans in Georgia?

Does Chapter 13 Bankruptcy Cover Student Loans in Georgia?

Yes, Chapter 13 bankruptcy can cover student loans, but only if “undue hardship” can be proven. This makes the question of does Chapter 13 bankruptcy cover student loans complicated. Since they are government guaranteed, student…

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Closeup of a gavel and electronic car key on a gavel block, symbolizing the question, Can I file bankruptcy and keep my car?

Can I File Bankruptcy and Keep My Car in Athens, GA?

If you’re asking can I file bankruptcy and keep my car, the answer is absolutely! And that’s a good thing to know in these trying times. Because of the coronavirus pandemic, auto loan delinquency rates…

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Busting the 10 Biggest Chapter 13 Bankruptcy Myths

Due to recent legal changes, many people are taking a harder look at bankruptcy. Unfortunately, they may fall prey to some of the biggest chapter 13 bankruptcy myths and decide not to file, even though…

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