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How 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…
When 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…
Is 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…
How 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…
When 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…
How to Avoid Disability Insurance Scams in Georgia and Beyond
Disability insurance and Social Security benefits were created to provide assistance to individuals that truly need it. It is reserved for those who have been afflicted by some physical or mental disability that prevents them from…
How 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…
How to Talk to Your Parents About Bankruptcy in Athens, GA
If your parents are still connected to your financial life or simply involved in your well being, there may come a time when you will need to talk to your parents about bankruptcy. Needless to…
What Is Lien-Stripping and How Does It Work in Georgia?
Filing for Chapter 13 bankruptcy may be able to help underwater homeowners through a process called lien stripping. What is lien-stripping? When a homeowner files for a Chapter 13 bankruptcy in hopes of consolidating their…
What Qualifies You for Chapter 13 Bankruptcy in Athens, GA?
If your family is having problems dealing with the financial storms of life, such as unemployment or serious illness, you are not alone. Two-thirds of Americans have less than $1,000 in savings, and many of…