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What Can I Do if a Creditor is Harassing Me?

If you owe money, creditors have the right to contact you. However, they are not allowed to harass you or threaten you just because you are in debt to them. Under the Georgia Fair Debt Collection Practices Act (FDCPA), creditors can be sued for crossing the line from lawful contact to harassment. A credit harassment… Read More »

How Can I Stop Wage Garnishments?

A wage garnishment is a court order given to your employer that requires him or her to withhold a portion of your paycheck to give directly to your creditor. While states have the ability to place limits on how much income may be garnished, Georgia follows federal law in this area.  If you are having… Read More »

Comparing the Benefits Chapter 13 Bankruptcy in Georgia

If your debt is mounting and you are finding it difficult to keep up with your payments, you may consider filing for Chapter 13 bankruptcy.  Thousands of people in Georgia who have sought Chapter 13 bankruptcy protection have discovered the many benefits of debt reorganization. Why do people choose Chapter 13? Chapter 13 allows you… Read More »

Factors to Consider for Filing Chapter 7 Bankruptcy

As you consider filing bankruptcy, you must account for the type and amount of debt you have and for which type of bankruptcy to file in order to best resolve your financial crisis.  Chapter 7 is the most frequently filed for and fastest type of consumer bankruptcy.  Known as “liquidation” bankruptcy, Chapter 7 allows you… Read More »

The Foreclosure Process in Georgia

Georgia is among a few states with the shortest foreclosure timeline.  The average foreclosure process from the issuance of the Notice of Default can take as little as 60 days in Georgia, whereas the national average is closer to four months.  The reason our timeline is so short is because the foreclosure process in Georgia… Read More »

When Should I Consider Modifying My Mortgage?

Many people who have fallen behind on their mortgage payments may ask themselves, “Should I modify my mortgage?”  Try considering several factors to decide whether loan modification is right for your situation. First, understand that a loan modification is a new agreement with your mortgage provider that alters the original terms of your mortgage loan…. Read More »

What is the Difference Between Credit Counseling and Debtor Education?

In 2011, Georgia had 73,852 bankruptcy filings, 96 percent of which were consumer filings. This ranked Georgia as among one of the states with the largest number of filings in the year. When filing for Chapter 7 or Chapter 13 bankruptcy in Georgia, you must complete a credit counseling and debtor education session. Both are… Read More »

Reorganize Your Debt through Chapter 13 to Stop Foreclosure on Your Home

Lenders across the country continue to foreclose on homeowners who fall behind on their mortgage payments. Each month, hundreds of Georgians lose their homes at foreclosure sales. You can file for bankruptcy under Chapter 13 to stop foreclosure. If you qualify, Chapter 13 not only protects your property, but also forces your creditors to halt… Read More »

Foreclosure Defense

During the recent housing crisis, hundreds of thousands of people lost their homes through abusive and fraudulent foreclosure practices.  In an attempt to compensate victims and put into place fair practices, Georgia ― along with 49 other states and the federal government ― reached an $8.5 billon National Mortgage Settlement with 10 major mortgage lenders…. Read More »