Dating Blog Asks If Credit Score Is Deal Breaker

Blanca of the Access Atlanta blog on dating asks if a low credit score would be a deal breaker in a relationship.

There are many reasons that someone’s credit score could have suffered a blow. Being laid off, getting out of a bad relationship or unexpected illness are just a few that come to mind. I just have to wonder if that is the best way to judge if someone is responsible enough to be in a relationship with you.

I suppose that checking out a person’s credit history could be helpful if you are getting serious enough about them that you are thinking of spending the rest of your life with them. Running a credit check for a date might be a little overkill.

Filed under: Economic News — admin @ 8:02 am

Record Foreclosure Auction Set For Atlanta Metro

Foreclosure auctions in the 13 county Atlanta metro area set for February 3 will include 8,425 properties, according to an article in the Tuesday, January 13, edition of the Atlanta Journal Constitution.

Atlanta bankruptcy attorneys are working to reduce the number of foreclosed properties that will be auctioned off. Property owners can use Chapter 13 bankruptcy to restructure their debt and stop foreclosure on their home.

Facing financial difficulty is never an easy task. Keeping your family in its home is important to emotional stability when facing difficult situations.

It is important that you speak to an experienced Atlanta bankruptcy lawyer as soon as possible when your home mortgage lender threatens foreclosure.

Georgia laws that govern foreclosure allows lenders to put your home loan into default status after you miss just 2 or three payments. Your lender will then publish their intent to foreclose on your home in the newspaper for four consecutive weeks. After that, they only have to give you 15 days notice to begin foreclosure.

An atlanta bankruptcy lawyer can explain how a Chapter 13 bankruptcy can protect your home and personal property.

Filed under: Bankruptcy News — admin @ 8:02 am

Filing Personal Bankruptcy in Dalton

If you are facing property repossession, wage garnishments or home foreclosure due to high medical bills, credit card debt or job loss, you may be looking for a financial solution. Thousands of Georgia residents have found financial relief by filing bankruptcy.

Filing Chapter 7 bankruptcy in Dalton, Georgia, may allow you to discharge most or all of your debt within four to six months. Individuals who do not qualify for Chapter 7 bankruptcy may be able to restructure their debt and make payments over a three to five year period.

Filing personal bankruptcy is a serious financial decision which has become more complicated in recent years. It is a good idea to seek the advice of a Dalton bankruptcy lawyer before making a final decision. A Dalton bankruptcy attorney can determine if filing Chapter 7 bankruptcy or filing Chapter 13 bankruptcy is right for you.

Filing Chapter 7 Bankruptcy in Dalton

The first step in filing Chapter 7 bankruptcy is to submit the bankruptcy petition to the appropriate bankruptcy court. The petition provides the court information about the filer’s debts, creditors, exempt and non-exempt property. The court reviews the petition and schedules the 341 Creditor’s Meeting. The court assigns a trustee who is responsible for selling the filer’s non-exempt assets and using the money generated from the sale to repay the creditors in the priority order according to bankruptcy law. Most Chapter 7 bankruptcy cases are completed within 4 to 6 months.

Chapter 7 bankruptcy is inexpensive and it can be a simple way to discharge qualifying debt. Not all debt is dischargeable. Non-dischargeable debt is determined by federal bankruptcy laws. Credit card debt and medical bills generally are dischargeable. A Dalton bankruptcy lawyer can identify all dischargeable debts and also if an individual qualifies to file Chapter 7 bankruptcy.

Filing Chapter 13 Bankruptcy in Dalton

Filing Chapter 13 bankruptcy in Dalton is not as simple or quick as filing Chapter 7 bankruptcy. Filing Chapter 13 bankruptcy will not allow for the immediate discharge of debt through liquidation of the filer’s assets, but it may stop home foreclosure and allow the filer to maintain their property. Filing Chapter 13 bankruptcy in Dalton may also allow the filer and their Dalton bankruptcy attorney to create a repayment plan which repays creditors over a three to five year time period.

To qualify for Chapter 13 bankruptcy a Dalton resident must have an income source and be able to meet the obligations of the repayment schedule. The filer also can not have secured debt which exceeds $807,750 or unsecured debt which exceeds $269,250.

Personal Debts Not Eliminated By Filing Personal Bankruptcy in Dalton

Personal debts not eliminated by filing Chapter 7 or Chapter 13 bankruptcy in Dalton are defined by federal bankruptcy laws and are the same for all states. Filing personal bankruptcy in Dalton will not discharge:

  • Most back taxes
  • Child support and alimony payments
  • Certain student loans
  • Purchases of luxury items within ninety days of filing personal bankruptcy in Dalton
  • Fines owed to federal or California government agencies
  • Debts generated from fraudulent activity
  • Recent cash advances of $825 within 70 days of filing personal bankruptcy
Filed under: Bankruptcy Information — Tags: , , , , , , , — admin @ 10:24 am


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