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How Long is Chapter 13 Bankruptcy in Athens, GA?
Largely depending on your income, Chapter 13’s protected repayment period usually lasts either three or five years. During the PRP, debtors make income-based monthly payments which eliminate secured debt arrearage, like mortgage arrearage, as well…
When Should I File Chapter 13 Bankruptcy in Athens, GA?
When creditors make unreasonable payment demands and/or threaten your family, you should at least consider filing bankruptcy. A voluntary bankruptcy petition is the only way for your family to get a fresh start away from…
What Is Lien-Stripping and How Does It Work in Georgia?
Filing for Chapter 13 bankruptcy may be able to help underwater homeowners through a process called lien stripping. What is lien-stripping? When a homeowner files for a Chapter 13 bankruptcy in hopes of consolidating their…
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….
Which Is Better Chapter 7 or Chapter 13 in Georgia?
A number of factors go into deciding which is better Chapter 7 or Chapter 13 bankruptcy. The type of debt is, by far, the most important factor. When unsecured debts are the disease, Chapter 7…
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,…
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…
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…
How to Qualify for Bankruptcy: Chapter 13 in Athens, GA
Even before the coronavirus pandemic, many people lived on the knife’s edge, financially speaking. About two-thirds of Georgia families did not have the cash to pay a $400 emergency expense. Relief provisions in the 2020…
How Long Does It Take to File a Chapter 13 Bankruptcy in Athens, GA?
Legally, banks can repossess property, foreclose on a lien, and take other adverse action after only one missed payment. So, many people need to quickly file Chapter 13 bankruptcy and take advantage of the Automatic…
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