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Explaining the process of a Georgia home foreclosure

January 17, 2020

When someone is unable to continue making their mortgage payments, the lender can force the sale of the home through a Georgia home foreclosure. Each state has different laws governing home foreclosures. In Georgia, the…

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Who will know if I file for a Georgia bankruptcy?

January 7, 2020

Privacy is important, and many people may not want their friends, family members or coworkers knowing about their financial situation. This is especially likely to be true if someone is considering filing for bankruptcy. However,…

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Can filing for a Georgia bankruptcy discharge debt incurred as a result of a car accident?

January 3, 2020

For the most part, when someone files for a Georgia Chapter 7 bankruptcy, most of their debts are discharged at the completion of the bankruptcy. However, there are some types of debt that cannot be…

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Do I have any other options besides filing for a Georgia bankruptcy?

December 31, 2019

No one wants to file for bankruptcy. However, for many people dealing with constant financial stress, filing for a Georgia bankruptcy is a very good alternative to the status quo. Of course, before filing for…

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Why hiding assets is a bad idea when filing bankruptcy

You have likely heard the expression that “Honesty is the best policy.” Not only is that true, but telling the truth is absolutely necessary when it comes to filing bankruptcy. Lying in a bankruptcy case…

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What to expect when going to court for a Chapter 7 bankruptcy

It is natural for people to worry about what to expect when they go to court for their Chapter 7 bankruptcy’s “341 Meeting,” also known as the “Meeting of Creditors.” Concerns about a creditor or…

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What happens to my secured debt if I file Chapter 7 bankruptcy?

There are two kinds of debt: secured and unsecured. A debt is secured when the creditor/lender can recover a specified asset from the debtor/borrower if the borrower does not repay the loan on time. A…

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My only income is Social Security. Should I still consider bankruptcy?

We often meet with people with debt problems whose only income is Social Security benefits.  In some cases, they are “judgment proof”.  That is, there is no way for their creditors to collect.  Other than…

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Do I have to file a bankruptcy jointly with my spouse?

No, you are not required to file a joint bankruptcy case with your spouse.  You can file individually, you each could file separate cases if you wish, or you can file a joint case.  This…

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I may need to file a bankruptcy case. Will I lose my property?

Many people have the mistaken idea that they will lose all their property if they file a bankruptcy case.  NOT TRUE!  There are exemptions allowed for many different assets. 

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Why Americans are Filing For Bankruptcy at High Rates

Filing for personal bankruptcy is not an easy decision. While credit card balances that have gone out of control can lead to bankruptcy, the number one reason Americans are filing for bankruptcy today is because…

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When Debt is Ruining Your Life: The Benefits of Filing for Personal Bankruptcy

There are many reasons you may find yourself stuck in a pile of debt that keeps on growing. Life is expensive, and even when you work hard, debt can become unmanageable. When you are trying…

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Biggest Chapter 13 Bankruptcy Myths

If you are facing potential bankruptcy and you are trying to determine if it is a good option for you or not, you have likely heard about a lot of different myths about what can…

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Tips for Buying a House After Chapter 7 Bankruptcy

After a bankruptcy, it may feel as though you will never be able to afford a large purchase again. This can be very scary but it is not true. There are a few things you…

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