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Recent Blog Posts

Rebuilding Your Credit After Declaring Bankruptcy

Some put off filing bankruptcy, or decide against it entirely, just because they are worried about their credit score. While this may be a valid concern in some cases, it normally doesn’t justify dismissing the idea of bankruptcy entirely. The benefits of bankruptcy often outweigh its potential effects on the filer’s credit score. Additionally, rebuilding… Read More »

What Should You Do When You Fall Behind on Your Mortgage Payments?

Falling behind on your mortgage payments can be an incredibly frightening thing. You may wonder how you will catch up, whether you will be able to keep your home or even if you might end up on the street. From the time you notice yourself falling behind on payments, you should begin to take action…. Read More »

How to Know if You Qualify for a Chapter 13 Bankruptcy

The most important factor in determining whether you qualify for Chapter 13 bankruptcy is your income. Your income must be somewhat predictable and high enough to make certain payments. Additionally, your debts must be below a certain level. You must be current on your income tax filings and you may not file if you are… Read More »

Keeping Your Home Through Chapter 13 Bankruptcy

Homeowners throughout Georgia are finding themselves in difficult financial situations. If you are in danger of losing your home to foreclosure, you are probably considering every possible choice. Depending on your income, your assets and the amount of equity you have in your home, you have different options. Loan modification may seem like the easy… Read More »

Can You Buy a Home After You File for Chapter 13 Bankruptcy

Many people fear that bankruptcy will make it impossible for them to ever own a home again. This simply isn’t true. First of all, many people who are eligible for a Chapter 13 bankruptcy can keep the home that they are in now. This is what Chapter 13 debt reorganization is designed to do. You… Read More »

What Happens to Your Student Loans in a Chapter 13 Bankruptcy?

Student loan debt has swelled to an unmanageable size in the United States and it continues to increase. In 2015, total student loan debt in the US was estimated at nearly $1.2 trillion. Many people in Atlanta and throughout Georgia are having serious difficulty managing their educational loan payments each month. Unfortunately, it is almost… Read More »

Georgia Has Fourth Most Bankruptcy Filings in 2015 to Date

While bankruptcy filings have dropped throughout the country in 2015 so far, they remain high in Georgia. In fact, according to The Association of Credit and Collection Professionals, Georgia had the fourth most filings per capita in the first six months of 2015. Across the United States, total bankruptcies in June were down about 6%… Read More »

When Should You File for Bankruptcy if You Face Foreclosure?

Chapter 7 bankruptcy and foreclosure often go hand in hand. Mortgage debt is one of the most common causes of bankruptcy, so if you know you face foreclosure and also know you are planning on filing for bankruptcy protection, you must decide whether you will file for bankruptcy before or after the foreclosure. In most… Read More »

What to Do When Debt Collectors Contact Others About Your Debt

The rules and regulations contained in the Fair Debt Collection Practices Act (FDCPA) place strict limits on the individuals that debt collectors are allowed to contact about any debt you owe. In most situations, collectors and collection agencies are only allowed to communicate with you or your attorney. Collectors are even prohibited from leaving messages… Read More »

Non-Dischargeable Debts in Bankruptcy and How to Manage Them

For the most part, bankruptcy provides you with a fresh financial start after you have become overwhelmed with debt. However, it will not necessarily wipe out all of your debts, so even after you have filed for bankruptcy protection, you may still have some issues with paying your creditors. Nondischargeable debts under Chapter 7 bankruptcy… Read More »