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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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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….

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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…

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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…

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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 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…

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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…

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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…

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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…

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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…

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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…

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Closeup of a white paper in a typewriter with the words NEW CHAPTER typed in black ink, posing the question, How does bankruptcy work in MN?

How Does Bankruptcy Work in Georgia? Chapter 7, 13, 20

Depending on the type of case you file, bankruptcy works in several different ways. All these procedural pathways end in the same place. Distressed debtors get a fresh start. If you’re wondering how bankruptcy works,…

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