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What’s the Difference Between Bankruptcy Discharged vs Dismissed in GA?

November 15, 2024

The key difference between a Bankruptcy Discharged vs Dismissed in Georgia lies in the outcome. A discharge releases the debtor from personal liability for certain debts, meaning they are no longer required to pay those…

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Can Private Debtors Garnish Disability Benefits in Georgia?

November 1, 2024

No, private debtors cannot garnish disability benefits in Georgia. Federal law protects Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) from garnishment by private creditors, including credit card companies and medical providers. However,…

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How Much Does a Debt Relief Attorney Charge in Georgia?

October 28, 2024

In Georgia, the cost of hiring a debt relief attorney typically ranges from $500 to $3,000, depending on the complexity of your case. For basic consultations or simpler negotiations, fees may fall on the lower…

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How Much Does a Disability Lawyer Cost in Athens, GA

October 22, 2024

In Athens, GA, most Social Security disability lawyers work on a contingency fee basis, meaning you only pay if you win your case. Typically, attorney fees are capped at 25% of your back pay, or…

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An open notebook with white grid paper containing the title "Credit After Bankruptcy" in red ink, and a drawing in blue ink of a hand pulling out an empty pocket from trousers. The scenario asks, What does chapter 13 bankruptcy do to your credit?

What Does Chapter 13 Bankruptcy Do to Your Credit?

Contrary to popular myth, bankruptcy does not “ruin your credit.” Unfortunately, a bankruptcy debtor’s credit score is most likely already damaged by repeated late payments and other negative information. It’s true that bankruptcy will take…

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A hand holding two of five wooden, vertically stacked building blocks with letters on them. The top two blocks are showing four letters instead of two to make the stack simultaneously spell "Build" "Rebuild", referring to the question: How long does Chhapter 13 Stay on Your Credit?

How Long Does Chapter 13 Stay on Your Credit Report in Athens, GA?

Chapter 13 public record filings usually remain on credit history reports for seven years. When debtors repay all their secured debt delinquency and, in some cases, many of their unsecured debts as well, Chapter 13…

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A yellow yield sign on a bright blue sky background that says "Chapter 13", symbolically showing how to get out of bankruptcy Chapter 13 early.

How To Get Out of Bankruptcy Chapter 13 Early in Athens, GA

Normally, a repayment plan bankruptcy in Georgia lasts three or five years. Typically, people want as much time as possible to pay off mortgage arrearage and other delinquent secured debts. However, bankruptcy is not one…

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A pen and blue folder with a black label titled "Bankruptcy Chapter 7" in white, answering the question: What happens in Chapter 7 bankruptcy in GA?

What Happens in Chapter 7 Bankruptcy in Athens, GA?

Most people have a general idea of what happens in a civil lawsuit, a divorce, or a criminal case. However, because the bankruptcy filing rate has been so low since 2008, not many people have…

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A white toy house with a red roof and chimney, caught in a crack or rift in split concrete with the word "CORONA" written on it, asking the question, Am I Eligible for Chapter 13 Bankruptcy COVID-19 Deferrals?

Am I Eligible for Chapter 13 Bankruptcy After COVID-19 Deferrals?

As 2020 closes, more people are wondering, Am I eligible for Chapter 13 bankruptcy? During coronavirus lockdowns, many homeowners took advantage of mortgage deferrals and other bank-offered temporary financial relief programs. When these programs ended,…

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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 Bankruptcy Stay on Your Credit Report?

Have you ever wondered, How long does Chapter 13 stay on your credit? In most cases, a Chapter 13 filing stays on a credit report for seven years. That’s substantially less time than a Chapter…

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A wooden desk with a gavel, file folders, and a piece of paper that says "Automatic Stay", answering the question, How often can you file Chapter 13 bankruptcy in Athens, GA?

How Often Can You File Chapter 13 Bankruptcy in Athens, GA?

Technically, debtors may file Chapter 13 bankruptcy as often as they want. However, if you’re wondering how often can you file Chapter 13, you should know that multiple filings might affect what is known as…

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Chapter 7 Bankruptcy

Is Chapter 13 Public Record in Athens, GA?

Most people file bankruptcy because of job loss, high medical bills, or another event that was beyond their control. Nevertheless, some people equate bankruptcy filing with financial failure. So, the fact that Chapter 13 filings…

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Credit After Bankruptcy

How Do I Build Credit After Bankruptcy?

There is no doubt that bankruptcy significantly lowers your credit score. But the effect is not as dramatic as many people believe it is. Furthermore, bankruptcy is a one-time black mark. Continual late payments drive…

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Bankruptcy Claim

How Do I Claim Bankruptcy in Athens?

So far, stimulus payments, mortgage deferrals, and other temporary relief measures have helped coronavirus-impacted families avoid bankruptcy. But when these relief programs end, bankruptcy filings will probably increase significantly.  Things are very uncertain now, and…

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