Blog

How Does Filing for Bankruptcy Affect Getting a Job?

December 18, 2024

Are you facing bankruptcy? A common fear among those who face bankruptcy is the possibility that it will hinder their ability to find a job. What does bankruptcy do to a job search? Do you…

Read More

Can a Creditor Garnish My Wages After 7 Years in Georgia?

December 16, 2024

Dealing with debt can be overwhelming, especially when it comes to wage garnishment. If you’re in Georgia, you might ask, Can a creditor garnish my wages after seven years? Here’s the answer. In Georgia, creditors…

Read More

Is SSI Included as Disposable Income for Bankruptcies?

December 8, 2024

You may be wondering if Supplemental Security Income is included as disposable income for bankruptcies. The quick and concise answer is: No, Social Security payments are not considered disposable income in bankruptcy cases. Federal law…

Read More

5 Ways to Avoid Common Debt Pitfalls with Smart Financial Tools

December 3, 2024

Debt management is a crucial part of maintaining financial stability, whether for personal or business finances. Mistakes like overborrowing, missing payments, or unsecured transactions can create financial strain. By adopting proactive strategies and leveraging modern…

Read More
Top view of a man with short hair and white shirt looking through bills in envelopes, with some on the floor at his feet, as he asks himself the question, What is a bankruptcy discharge in Athens, GA?

What Is a Bankruptcy Discharge in Athens, Georgia?

When a person files for Chapter 7 bankruptcy, their intention is to have as many of their debts discharged as possible. But what is a bankruptcy discharge, and how does it work in Georgia? When…

READ MORE
Closeup of different denominations of dollar bills, rolled up in loosely, posing the question, what happens if I fall behind on Chapter 13 repayment plan payments?

What If I Fall Behind on Chapter 13 Repayment Plan Payments?

A Chapter 13 bankruptcy is also called a “wage earner’s plan,” because it allows for filers who earn a regular income to pay back their secured debts over a period between three to five years….

READ MORE
A man in a dark blue suit, selecting BANKRUPTCY from a list of translucent word choices that fill the foreground of the image to make it look like a smart phone screen, posing the question, What is a strategic bankruptcy in Athens Georgia?

What Is a Strategic Bankruptcy?

Strategic bankruptcies, as opposed to necessary bankruptcies, are most commonly associated with Chapter 11 business bankruptcies. Additionally, some small businesses are eligible for Chapter 5 bankruptcies. Lawmakers created this streamlined procedure because of the coronavirus…

READ MORE
An areal view of a city's financial district, posing the question, Do I have other options besides filing bankruptcy in Georgia?

Do I Have Any Other Options Besides Filing Bankruptcy in Georgia?

Until recently, a number of very attractive bankruptcy alternatives were available in Georgia. Unfortunately these options aren’t nearly as attractive as they were in 2015. While there are other option besides filing for bankruptcy in…

READ MORE
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 Stay on Your Credit Report?

In most cases, a Chapter 13 filing stays on a credit report for seven years. That’s substantially less time than a Chapter 7, because in a Chapter 13, debtors repay all their delinquent secured debts, such…

READ MORE
A man sitting at a desk with a pencil in is hand and hand on his forehead in exasperation as he sites at a desl surrounded by papers. A big orange banner is located on the bottom half of the image with " BANKRUPTCY CHAPTER 7" in large black letters, posing the question, "What Does Chapter 7 Bankruptcy Cover?"

What Does Chapter 7 Bankruptcy Cover in Athens, GA?

Most people file bankruptcy for reasons that are at least mostly beyond their control. High medical bills, which prompt about two-thirds of all bankruptcy filings in Georgia, are a good example. If you’re asking what…

READ MORE
A calculator and pencil lay atop a booklet titled "Bankruptcy Tax Guide", posing the question, Does Chapter 13 Bankruptcy Affect Tax Returns?

Does Chapter 13 Affect Tax Returns in Georgia?

This frequently asked question opens one of the largest cans of worms in a Chapter 13 bankruptcy. It involves various complicated issues, mostly the nature of the bankruptcy estate and the aggressiveness and diligence of…

READ MORE
A college graduation cap sitting atop many $100 bills, posing the question, Does Chapter 13 Bankruptcy Cover Student Loans in Georgia?

Does Chapter 13 Bankruptcy Cover Student Loans in Georgia?

Yes, Chapter 13 bankruptcy can cover student loans, but only if “undue hardship” can be proven. This makes the question of does Chapter 13 bankruptcy cover student loans complicated. Since they are government guaranteed, student…

READ MORE
Closeup of a gavel and electronic car key on a gavel block, symbolizing the question, Can I file bankruptcy and keep my car?

Can I File Bankruptcy and Keep My Car in Athens, GA?

If you’re asking can I file bankruptcy and keep my car, the answer is absolutely! And that’s a good thing to know in these trying times. Because of the coronavirus pandemic, auto loan delinquency rates…

READ MORE

Busting the 10 Biggest Chapter 13 Bankruptcy Myths

Due to recent legal changes, many people are taking a harder look at bankruptcy. Unfortunately, they may fall prey to some of the biggest chapter 13 bankruptcy myths and decide not to file, even though…

READ MORE