Blog

Social Security Disability Hearing: Win Your Claim

June 14, 2026

You open the mail, see the hearing notice, and your stomach drops. After months of forms, denials, and waiting, Social Security has finally set your disability hearing. Clients in Athens who call my office at…

Read More

Credit Counseling Services Free (Debt Relief Path)

June 13, 2026

Debt usually stops feeling like a math problem before anyone asks for help. It starts feeling personal. The mailbox gets heavier, your phone lights up with numbers you don’t recognize, and every ordinary expense starts…

Read More

Small Business Debt Consolidation (Expert Guide For Georgia)

June 12, 2026

You open the books on Sunday night to see what Monday is going to demand from you. There’s the merchant cash advance pulling from daily sales. Two business credit cards are near their limits. A…

Read More

Workers Compensation Retaliation (Georgia Guide)

June 11, 2026

You report a work injury because that’s what you’re supposed to do. Then the tone changes. Your supervisor stops speaking to you the same way. Your hours shrink. Overtime disappears. A write-up shows up for…

Read More
Are HSA Accounts Exempt in Bankruptcy in Georgia?

Are HSA Accounts Exempt in Bankruptcy in Georgia?

In many cases, funds in a Health Savings Account (HSA) are not automatically exempt in bankruptcy and can be seized by a trustee to pay creditors. The specific protections depend on your state’s laws, as federal law…

READ MORE
What Percentage of Chapter 13 Bankruptcies Are Denied?

What Percentage of Chapter 13 Bankruptcies Are Denied?

What Percentage of Chapter 13 Bankruptcies Are Denied? Outright denials of a Chapter 13 petition are extremely rare (typically under 1 %), but a substantial majority of filed cases are later dismissed or fail to…

READ MORE
Bankruptcy and Security Clearances

Can Bankruptcy Affect Security Clearance for Georgia Jobs?

Can bankruptcy affect security clearance? Yes—bankruptcy can influence clearance decisions under Guideline F, but timely disclosure, documented causes, and responsible recovery often mitigate risk for Georgia applicants. Christopher Ross MorganChristopher Ross Morgan Christopher Ross Morgan…

READ MORE
Can You Be Evicted While in Chapter 13

Can You Be Evicted While in Chapter 13 Bankruptcy?

Can You Be Evicted While in Chapter 13? Yes, you can be evicted while in Chapter 13 if certain exceptions apply. The automatic stay usually pauses an eviction, but it won’t stop one if your…

READ MORE
will trustee find out about 401k loan

Will Trustee Find Out About 401k Loan During Bankruptcy?

Will Trustee Find Out About 401k Loan is a common worry for filers weighing Chapter 7 or Chapter 13. Below is a precise, plain‑English answer you can rely on. Short answer: Trustees do not “discover”…

READ MORE
Statute of limitations on Medical Debt in Georgia

What Is Georgia’s Statute of Limitations on Medical Debt?

In Georgia, most lawsuits on medical debt must be filed within six years if the bill is based on a written agreement, and within four years if it’s treated as an open account. Medical bills…

READ MORE
What Percentage of Chapter 7 Bankruptcies Are Denied

What Percentage of Chapter 7 Bankruptcies Are Denied?

What Percentage of Chapter 7 Bankruptcies are Denied? Most discharges are granted; denials are rare and fact-specific. Learn causes, data nuance, and optio

READ MORE
what does the bible say about bankruptcy

What Does the Bible Say About Bankruptcy?

What Does the Bible Say About Bankruptcy — scripture, mercy, justice, and lawful relief.

READ MORE
How Many Months of Bank Statements for Chapter 7 in Georgia?

How Many Months of Bank Statements for Chapter 7 in Georgia?

In Georgia, most Chapter 7 trustees ask for at least the last three months of bank statements, often six months, and may request up to twelve months if accounts show irregular deposits, cash withdrawals, or…

READ MORE
Georgia Homestead Exemption

What Is the Georgia Homestead Exemption — How Does It Work?

In Georgia, the homestead exemption protects equity in a primary residence up to a state‑set limit under O.C.G.A. § 44‑13‑100; spouses filing jointly may claim a higher combined amount. Always verify the current dollar figure…

READ MORE