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What You Need to Know About Wage Garnishment Laws in Georgia

March 25, 2024

Creditors have various options for pursuing debtors, and their efforts go beyond making threatening phone calls and demanding payment. By going through the proper legal steps, they can even take your wages under certain circumstances.…

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What Are the Pros and Cons of Declaring Bankruptcy in Georgia?

March 8, 2024

If you are looking into bankruptcy as a legal option for resolving debt, chances are you have heard a lot about both the good and the bad. There are two sides involved with any important…

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How Can Wage Garnishments Be Removed in Georgia?

March 1, 2024

You rely on regular income to support your lifestyle and pay bills, so you expect to be paid your full wages for doing your job. It might seem unfair that someone could divert part of…

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Filing a Second Bankruptcy in Georgia – What to Consider

February 24, 2024

If you have already been through bankruptcy in Georgia, you are aware of how the process works and how your debts are treated under the US Bankruptcy Code. Whether you filed for Chapter 7 discharge…

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A white toy house and white pen chained together with a gold chain, placed on Chapter 7 bankruptcy paperwork, posing the question, Can I Keep My House in Chapter 7 Bankruptcy?

Can I Keep My House in Chapter 7 Bankruptcy in Georgia?

Many people think they lose most of their assets when they file bankruptcy. After all, that’s what happens in Monopoly and some other board games. Fortunately, real life is not the same. Most people keep…

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A yellow yield sign with the words "BANKRUPTCY AHEAD", with the a road, hill and tree in the background, posing the question, What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy in Georgia?

The different kinds of bankruptcy are for different kinds of debtors. But most debtors have at least one thing in common. They live close to financial disaster. Most Georgians do not have the cash to…

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Three blue-green bankruptcy books stacked on a wooden desk, symbolizing the question, Can I file Chapter 7 bankruptcy again?

Can I File Chapter 7 Bankruptcy Again in Athens, GA?

Anyone may file Chapter 7 again at any time they please. However, subsequent filings might affect the Automatic Stay and debt discharge. The Automatic Stay prohibits utility shutoff, repossession, wage garnishment, foreclosure, and other adverse…

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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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Athens Chapter 13 Bankruptcy Lawyer

What Happens at the End of Chapter 13 Bankruptcy in Athens, GA?

The majority of people say that the coronavirus pandemic has brought additional financial stress into their lives. In many cases, this stress causes Post Traumatic Stress Disorder-type symptoms. These people are sorely in need of…

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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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