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Homeowner and Renter Protection Amid COVID-19
In the wake of COVID-19, many Americans and Georgians are experiencing income loss and financial insecurity. Changes at the federal, state, county, and city level have been enacted to protect homeowners and renters from eviction and foreclosure. Additionally,...
How to Find and Fix Common Errors on Your Credit Report
If you are having issues with debt and considering a bankruptcy filing, there is something that you can do to ensure that the process goes as smoothly as possibleHaving an accurate credit report will be very important when you meet with an attorney and discuss your...
Tax Season: Bankruptcy and Income Tax Refunds
Tax season is upon us, and many people think about a fresh financial start this time of yearWhen it comes to filing yearly taxes, it is an opportunity to assess current goals and whether current financial strategies are working efficiently. If you have filed a Chapter...
Wage Garnishments and Bankruptcy
If you are considering filing either a Chapter 7 or Chapter 13 Bankruptcy, it is important to understand what happens to any current wage garnishment that you may have. A wage garnishment is a court order that enables a creditor to take money out of your paycheck....
The Bankruptcy Means Test
The Bankruptcy Means Test operates in two ways:It will determine if you qualify for Chapter 7 Bankruptcy; and/orIf you do not qualify for Chapter 7 Bankruptcy, the means test establishes what you are required to pay your creditors in a Chapter 13 Bankruptcy.What is...
If I am Married, Can I Still File Bankruptcy Individually?
Many people wonder if it is possible to file for bankruptcy without their spouse being part of the bankruptcy. This article will answer this question.There are several key things to consider when filing for bankruptcy if you are marriedFirst, a married person can...
Will I Lose My Home if I File for Bankruptcy?
The short answer to this question is no, you will not lose your houseThere is no requirement in the Federal Bankruptcy Code that requires you to surrender your home. How relevant your home is in a Bankruptcy proceeding depends on the chapter of Bankruptcy that you...
Preparing for a 341 Meeting of Creditors
Upon filing a Chapter 13 Bankruptcy petition with the U.S. Federal Court, your case will be assigned by the Court to a specific Trustee that will oversee, and administer your case. Once a Trustee is assigned to your case, a Creditor Meeting under Section 341 of the...
How Bankruptcy Can Help With Back Taxes
If you owe money for back taxes, the IRS or State Revenue Department can garnish your wages or your bank account. Filing a bankruptcy will stop a tax garnishment. This is what is known as the automatic stay, which requires all creditors (including the taxing...
Representation in a Bankruptcy Case
You have 2 options when it comes to representation in your bankruptcy case:Hire an attorney to represent you ORRepresent yourself (this is called “pro se”).There are many complicated issues that arise in a bankruptcy proceeding, and an attorney can effectively...