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What is lien-stripping and how does it work?

May 19, 2020

Many homeowners have more than one mortgage or lien on their property. In some cases, given the fluctuating values of real estate, homeowners can owe more than their home is worth. This is especially the…

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How the automatic stay in bankruptcy proceedings can help a filer get back on track

May 15, 2020

The automatic stay is one of the benefits to filing for bankruptcy. When someone files for bankruptcy, the court orders a stay on all attempts to collect debts from the filer. In part, the reason…

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The steps for filing for a Chapter 13 bankruptcy

May 7, 2020

Filing for bankruptcy is not something that anyone should take lightly. The process is quite intensive. Chapter 13 bankruptcy is especially complex, because under this type of bankruptcy a filer will be required to pay…

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How secured credit cards can help you build your credit

May 7, 2020

In the personal finance world, the words “credit card” often carry a negative connotation. Indeed, credit card debt is one of the top-cited reasons why people file for bankruptcy. Still, credit cards can actually be…

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Can My Wages Be Garnished Without a Judgment?

Wage garnishment requires that an employer withhold money from an employee’s pay to satisfy a debt. In most cases a court order would be necessary for a creditor to garnish your wages. However, there are…

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Can Filing for Bankruptcy Reduce or Eliminate Child Support Payments?

Falling behind in child support can create a stressful situation for both the parent and the child. Parents want to do the right thing but are sometimes unable to make the payments in a timely…

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How Do I Qualify for Disability Benefits?

If a person is unable to work due to an injury or medical condition, they may be eligible to receive Social Security disability benefits. The person must suffer from a permanent medical, psychiatric, or psychological…

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Dealing with Workers’ Compensation Claims During the Holidays

The holiday season is a busy time for everyone, and perhaps the last thing we want to deal with is an injury on the job. However, if an injury does occur, the employee should report…

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Strategies for Avoiding Holiday Debt

Pressure to spend more than we can afford can be a strong temptation during the holiday season. We all want to enjoy the festivities and take care of family and friends on our gift list….

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Beware of Debt Collections Phone Scams

Identifying a Phone Scam Someone calls and leaves an urgent voicemail with a call back number and a vague message about owing money or unpaid taxes. Arrest or legal action may be implied if this…

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Is Credit Counseling Required in Bankruptcy?

All people who are filing for personal bankruptcy protection will be required by law to attend credit counseling courses. Two types of classes are necessary – credit counseling and debtor education. They cannot be taken…

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5 Tips for Managing Credit Card Debt Before Bankruptcy

Credit cards are exceptionally easy to break out and pay for items that we want or need. Unfortunately, a little too easy. Many people are faced with credit card debt that seems insurmountable. Once the…

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Does Bankruptcy Eliminate All Debt?

Bankruptcy eliminates debts that are classified as dischargeable. These can vary but may include credit card debt, other unsecured loans, medical bills, some auto accident bills, unpaid utility bills, and unpaid rent. Other debts are…

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Four Important Things to Know About Workers’ Compensation in Georgia

Workers’ Compensation is a program the provides benefits to workers who are injured on the job. Georgia law requires companies that employ more than three workers to have Workers’ Compensation insurance. Employees are covered under…

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