How to Work with a Georgia Chapter 13 Bankruptcy Attorney for Success

How do you successfully file for Chapter 13 bankruptcy in Georgia? With an attorney’s help is the best way.

Why? Filing any form of bankruptcy requires a lot of work. Not only do you need someone to submit all the documentation, but you also need someone to handle the in court case, help you decide your options, and educate you on the process.

Chapter 13 bankruptcy, unlike Chapter 7, is a lengthy process. Chapter 13 typically takes 3-5 years before it’s over. Filing under Chapter 7 takes a matter of months.

What is Chapter 13 bankruptcy?
Chapter 13 bankruptcy is more common than ever because of new bankruptcy laws, as if you have a median income too high–over about $40,691 in Georgia for a single filer–you are not eligible for Chapter 7 bankruptcy. Many, however, want Chapter 13 bankruptcy.

Chapter 13 bankruptcy is a debt repayment plan which buys you time to pay back major bills. For example, if you are behind on your mortgage payments, falling into credit card debt, and your options of paying them in the short term are dismal, Chapter 13 can help. This is where the length of the process is advantageous. The reason Chapter 13 takes 3-5 years is that’s the time allotted to you to pay back outstanding debts.

Advantages of Chapter 13 Bankruptcy
Since residents of Georgia sometimes make too much money to file Chapter 7, it’s clearly important to know why Chapter 13 bankruptcy is still a good option. Say you are behind on your bills, you make over $41,00 a year as a single resident of Georgia, creditors are harassing you, and you fear home foreclosure. Your best option may be to file for Chapter 13, mainly because you can buy time to pay back outstanding bills, save your home, stop any wage garnishments, and effectively stop creditor harassment of all kinds.

Hiring a Georgia Bankruptcy Attorney
Since these laws change and can get complex, it’s clearly just as important in Georgia Chapter 13 to hire an attorney as Georgia Chapter 7. A professional attorney can see what you’re eligible for, tell you your best options, help you save your home from foreclosure, stop all creditor harassment, and give you the peace of mind of being able to pay bills.

If you’ve never been in court, you might fear standing in front of a judge and pleading your case. While Chapter 13 you must be present, with a bankruptcy attorney working with you, what you’re needed to do is minor.

Clearly, filing bankruptcy is a big step. And just as you would not handle a major lawsuit against you alone, you also should hire a professional Georgia bankruptcy attorney for help. This could impact your finances for the rest of your life.

Filed under: Bankruptcy Information — Tags: , , , , , , , , — jmalewitz @ 12:42 pm

How to File with Georgia Bankruptcy Court and What Fees Are Involved

As recorded by US Government Courts, the fees for filing bankruptcies are:
Chapter 7 Bankruptcy – $299
Chapter 11 Bankruptcy – $1,039
Chapter 12 Bankruptcy – $239
Chapter 13 Bankruptcy – $274

These figures are the same in every state in the United States, including Georgia. It does not include fees for lawyers, which can vary depending on experience and time involved in your filing.

For personal bankruptcy, you only need to consider Chapter 7 and Chapter 13. So we know Chapter 7 is $299 to file in any court, including Georgia Bankruptcy Court, and Chapter 13 is $274 in the same court.

How do you file bankruptcy in Georgia?
There are three courts which handle bankruptcy for all counties of the state of Georgia. These are Georgia Middle District Court, Georgia Northern District Court, and Georgia Southern District Court. Each court has offices across their districts, not just one sole court. And each court handles multiple counties in its area for filing bankruptcy.

To file bankruptcy in the state of Georgia, you need to first see if you’re eligible. Most are eligible for either Chapter 7 or Chapter 13. Some, however, are eligible only for Chapter 13 bankruptcy in Georgia. This is because, if you make too much, you are not eligible for Georgia Chapter 7 bankruptcy.

Let’s go over that in detail. It depends on how many residents live in your home, from 1 to however many you have. For a single resident, the current median income for Georgia $40,691.If you make less than that, you are eligible for Chapter 7 bankruptcy. If you make more than that, new bankruptcy laws make it clear you will likely have to file under Chapter 13 bankruptcy.

The more residents in your family, the higher the median income  is. For example, if you have four residents in your home, the median income in Georgia is $68,502. These will change every year.

How do you file for Georgia bankruptcy?
The first step is hiring a professional bankruptcy attorney in your area who can help. There are many documents, laws, and guidelines you have to go over. If you file Chapter 7 bankruptcy, it first must be clear you are eligible, what assets you have which you may lose, and if it’s the best option for you. On the other hand, if you want to file under Chapter 13 bankruptcy, a much longer process but still effective, you need to come up with a debt repayment plan and prove to the courts you can follow it.

How do you hire a Georgia bankruptcy lawyer?
Since each state has differences in precisely how the laws work, you should immediately consult with a professional in Georgia. You can ask those you know who work in law for references, you can search on sites and blogs like this for experienced lawyers, and you can begin calling and emailing top prospects. Once you’ve made a list, you can interview them all. Bear in mind, you want an experienced Georgia bankruptcy attorney who 1) isn’t overloaded with clients and 2) can immediately consult you on the best options.

Filed under: Bankruptcy News — jmalewitz @ 12:01 pm

6 Benefits of Chapter 13 Bankruptcy in Georgia

If you aren’t eligible for Chapter 7 bankruptcy in Georgia, likely because you make too much, you may fear losing major assets as the bills pile up. Actually, you have more options than you might think, namely filing Georgia Chapter 13 bankruptcy.

What is Chapter 13 bankruptcy?
It’s clearly different than Chapter 7 bankruptcy. In Chapter 7, your debts are discharged in a matter of months, but you may lose assets. In Chapter 13, your debts are paid back by you and you have the opportunity to keep all your assets if you keep up with the payments over the 3-5 year repayment plan.

And that’s actually the big advantages and disadvantages of both Chapter 7 and Chapter 13. In Chapter 7, you can discharge debt, but you may lose assets; Chapter 13 buys you time to pay back debt which you have to pay out of your pocket, but you can keep more assets if you stay current.

Georgia Foreclosure Options
If you’re making a lot of money on paper, you may think any form of bankruptcy is out of reach. There are cases where you make too much to actually file for it, usually depending on the median income for the state you file in, but in most cases individuals still have the option to file Chapter 13 bankruptcy in Georgia.

The best part about Chapter 13 bankruptcy isn’t that you buy time to pay back debts; the best part if you can save your Georgia home from foreclosure. It’s clearly a big advantage over Chapter 7 bankruptcy, where you usually lose nothing but often lose major assets.

How Chapter 13 Stops Foreclosure
According to Bankruptcy Code, you can stop foreclosure proceedings by filing Chapter 13 bankruptcy in Georgia. This means if you know the bank is going to foreclose soon, you can stop it by filing under this chapter. You can pay back delinquent mortgage debt over a 3-5 year period, easily attainable if you are working.

It also means you must stay current on your mortgage payments. That’s what many home owners ignore. Just filing for Georgia Chapter 13 bankruptcy does not necessarily mean your home will be protected; you must pay via the debt repayment plan created.

Extend Other Debts with Georgia Chapter 13 Bankruptcy
Also, if you have debts beyond your home, perhaps a car loan and credit debt, you can pay these back over the course of your Chapter 13 bankruptcy plan. This plan will be created prior to the bankruptcy, as required by law, and will go over how you intend to pay debts.

Creditor Problems?
The phone rings and you want to scream … creditor harassment is never fun to even think about, but it’s a reality. By filing for any bankruptcy, you can stop creditor harassment. In the case of Chapter 13 bankruptcy, your trustee will be paying back your creditors; you will have no direct contact with them anymore. This means no more creditor harassment.

Hiring a Georgia Bankruptcy Attorney
How do you know if you can file under Chapter 13 in Georgia? What are the fees? What will the debt repayment plan entail? Reading on law is no substitute for hiring a professional Georgia bankruptcy attorney. That’s the first step in getting a second chance financially.

Filed under: Bankruptcy Information — Tags: , , , , , , , — jmalewitz @ 2:59 pm

Are You Eligible for Georgia Chapter 7 Bankruptcy?

Filing Georgia bankruptcy is an option on the table for most all citizens, but bankruptcy laws and codes change every few years. Why? For one, the median income of a state is how you are considered eligible for Chapter 7 and Chapter 13 bankruptcy. This guide focuses on whether or not you are eligible for Georgia Chapter 7 bankruptcy.

The Means Test
NOLO.com, a good reference for bankruptcy laws and codes, has what’s called a “means test” for bankruptcy filers in any state. All you have to do is use their calculator to see if you’re eligible. You type in your zip code for Georgia or any other state and they ask a few more questions. You can find it at http://www.legalconsumer.com/bankruptcy/nolo/

Why does income matter when filing bankruptcy? With new bankruptcy laws, sometimes you are not eligible for Chapter 7 bankruptcy in Georgia if you make too much. If you make too much, but owe a lot and have little disposable income, you have options.

How does eligibility for Chapter 7 bankruptcy work?
In more detail, if you cannot file Chapter 7 bankruptcy you do have the option for filing under Chapter 13 bankruptcy. Say you live in Atlanta and have high credit card debt, you’re behind on your mortgage, but you have a good job and enough money to stay afloat. In this case, you might not be eligible for Chapter 7 bankruptcy but you still have Chapter 13 bankruptcy as an option.

How Chapter 7 Eligibility works
If your income for a household of your size is lower than the median income for a Georgia home, you can file for Georgia Chapter 7 bankruptcy. If your income is higher than the average for a household of your size, you likely will only have Georgia Chapter 13 bankruptcy as an option.

Say you live by yourself, have debt over $200,000, have a car and a home, and you make $100,000 a year. This sounds like you have a lot of disposable income. Basically, you make too much. In this instance, you might make too much and be forced to use Chapter 13. This isn’t always bad. There are key advantages to filing under Chapter 13, such as the opportunity to keep your Georgia home and car if you stay current on payments.

How Chapter 13 Bankruptcy eligibility works
If you make too much money for Georgia Chapter 7 bankruptcy, it may not actually be bad to file for Chapter 13 bankruptcy. These are two very different bankruptcy options. For one, with Chapter 13 bankruptcy you have more of a chance to keep assets such as your home and car. If you are behind on mortgage payments for your Georgia home, you can get extra time to catch up after filing Chapter 13 bankruptcy.

Ask a Professional If You’re Eligible for Georgia Chapter 7 Bankruptcy
In any case, ask a professional bankruptcy lawyer if you’re eligible. Over the next decade, bankruptcy law may change even more. If you are unsure of things such as disposable income, and the advantages of Chapter 7 and Chapter 13, a good Georgia bankruptcy lawyer can help.

Filed under: Bankruptcy Information — Tags: , , , , , , , , , , — jmalewitz @ 12:00 pm

What Happens in Georgia Bankruptcy Court?

How does the Georgia bankruptcy court work? Bankruptcy, by federal law and the bankruptcy code, allows for debtors relief from bills. The current bankruptcy code for personal bankruptcies involves only Chapter 7 bankruptcy and Chapter 13 bankruptcy.

What Chapter 7 bankruptcy Means To You
Chapter 7 bankruptcy is a liquidation process designed to eliminate debt by appointing a trustee to liquidate your assets.

What Chapter 13 Bankruptcy Means To You
Chapter 13 bankruptcy, now more common than in the past years with new bankruptcy codes for income limits, essentially is about paying back your debt only over a longer period.

What happens in Chapter 7 bankruptcy court?
Chapter 7 bankruptcy, beyond filing with courts, is actually a very simple court case where you have little direct involvement. It’s wise to hire a good Georgia Chapter 7 lawyer who can help you through the process. In most cases, you will rarely if ever have any involvement in the court proceeding. The only time you may be involved is when the is when an objection has been raised in the case.

What happens in Chapter 13 bankruptcy court?
Chapter 13 filers are more involved than Chapter 7 filers, but it’s still limited. You only have to appear before the court at a plan confirmation hearing. You really only have to be involved with the meeting of creditors, held at the offices of the U.S. trustee.

How Chapter 7 bankruptcy Helps
Typically, you will have no problems filing for bankruptcy beyond the future credit history it entails (bankruptcy stays on your record for 10 years). Chapter 7 filers will rarely lose major assets, will often be accepted unless you make too much money, and you’ll be discharged of debts in a  matter of months.

How Georgia Chapter 13 Bankruptcy Helps
Georgia Chapter 13 is more common because of bankruptcy code changes in the past decades; this includes all U.S. citizens and Georgia Chapter 13 filers. The most common benefit of filing Georgia Chapter 13 is saving your home from foreclosure. This is very common, especially in the economy in the U.S. the past 5 years and in the home owner problems many have had. If you file Georgia Chapter 13 bankruptcy, you can pay back debts over 3-5 years, including mortgage payments. But you must stay current on the payments.

How Georgia Bankruptcy Attorneys Can Help You
Bankruptcy is far more complex than filling out some documents and submitting to a court. Bankruptcy code changes from time to time. For instance, did you know Chapter 7 is off the table for far more filers than ever before? In order to successfully file, a good Georgia bankruptcy attorney is key.

Filed under: Bankruptcy Information — Tags: , , , , , , , , — jmalewitz @ 12:17 pm

5 Tips on Avoiding Bad Georgia Bankruptcy Lawyers

It’s pretty obvious some books are better than others, some movies are better than others, some athletes are superior on the field, and some car dealers are to be avoided like the plague. Well, it’s pretty much the same with bad Georgia bankruptcy lawyers. How do you avoid them? No worries, you’ve found a blog run by a professional firm who can help. But don’t take our word for it. Make sure we pass the test.

1-Don’t Wait too Long to Hire a Georgia Bankruptcy Lawyer
If you wait till the last minute, you’re running out of a lot of options for hiring a Georgia bankruptcy lawyer and risk losing assets. It’s still possible to do it, so if you feel you’ve waited too long it’s not the end of the world. But there is a greater chance for hiring an awful lawyer who will take your money and fail at really helping.

2-Avoid Referrals for Georgia Bankruptcy Lawyers from Friends and Family
Some referrals are good, but not all of them. Just because you are related to a bankruptcy lawyer, a family member used them, or they’ve been recommended by the friend down the street–does not mean they are a good fit for you. You need to take time in this process, not hiring based on people who lack law skills.

3-Ask for Referrals in a Better Way
The best way to ask for Georgia lawyer referrals is through actual law and debt experts. You might know someone who practices law; sure enough they may have a good referral. You might also find a debt expert who can help you choose a good Georgia bankruptcy lawyer. Make a list and ask for some feedback from the experts on what you need.

4-Review, Critique Georgia Bankruptcy Lawyers
Make a short list of candidates who 1) are recommended by legal professionals and 2) pass your test for relevant experience. You can technically put as many on your list as you want, but bear in mind you want to get this process started sooner than later. Make a list of 5-10 firms or individual lawyers and ask them basic questions.

5-The Bottom Line for Georgia Bankruptcy Law
The bottom line is often how much they charge you. Any lawyer who balks at giving you a basic quote should not be considered. Bankruptcy filings are rarely very expensive, especially with the results you get from a good Georgia bankruptcy lawyer.

Filed under: Bankruptcy Information — Tags: , , , , , , , — jmalewitz @ 11:28 am

Tips on How to Negotiate with Credit Lenders Before Georgia Bankruptcy

How do you file for Georgia bankruptcy? Before you even file for Chapter 7 or Chapter 13 bankruptcy in Georgia, you have many positive actions to take. First, you can create a new budget. You may be able to bring yourself out of financial problems by simply reworking your budget. If it’s a family with 1-2 working jobs, focusing on lowering credit debt on a monthly basis for 12-18 months can do wonders. In fact, this strategy, sometimes using a money scarcity formula where you only allow yourself certain spending budgets, actually works well for Georgia residents who fear home foreclosure, car repossession, and wage garnishments.

However, the reality is that may not work, or it may not be an option. What else can you do?

Why You Should Negotiate With Creditors Before Georgia Bankruptcy
You don’t need a debt management plan; you can do it on your own. Negotiating with creditors may sound like a nightmare–making calls on bills; seeing what you can afford to pay; arguing–but in reality it’s not too difficult and most creditors are receptive to it. If  they are going to lose everything by you filing Chapter 7 bankruptcy–which eliminates the majority of your debt, including credit card debt–it’s in their best interests to discuss a feasible payment plan.

How to Start Negotiating with Credit Lenders Before Georgia Bankruptcy
First, look over the status of your account, or multiple accounts, where you owe money. How past due are these? Which ones are the longest? Typically, those with good credit scores can be past due for 100 or more with no problems. On the other hand, if you have poor credit you may have less than 100 days. Find out where you are–that’s the first step.

If Bills Haven’t Gone to Collections
If you’re behind and your payments have not gone into collections, that’s good. You have the best chance of working with your creditors, and they should be receptive to working with you. The account will be open and you can pay on the debt.  You will still want the creditor to lower the interest rate if not lowering it completely for a short period, and also lower payment amounts so you can afford them. This buys you time. While it may sound like this is easy street, you might have to make a few phone calls before creditors will be receptive to lowering interest rates. Meaning: it takes work.

Payments Have Gone to Collections
This isn’t the end of the world, as you can still work with creditors. Payments going into collections is , however, not good for your credit rating. Your strategy is similar to the above, but now that’s it’s gone into collections you are working with companies who have incentive to actually get the money back. This puts the ball in your court, and it’s the advantage you need. You still want to get a no-interest payment plan if possible, but if you have the money several lump-sums can work.

Do Nothing – File for Bankruptcy
If you have no assets, you typically lose nothing in Chapter 7 bankruptcy if you are eligible to file. If you have a high paying job and lots of assets, you’re going to have to pay back this money over time. If you can clear these debts before bankruptcy, you can take some steps to improving your credit scores, which will lower because of the past due bills. The good news is, you have even more options than these. Contact credit counseling agencies or a good Georgia bankruptcy lawyer if you feel negotiating or  bankruptcy are your best options.

Filed under: Bankruptcy Information — Tags: , , , , , , , , — jmalewitz @ 10:52 am

6 Tips for Atlanta Residents to Improve Credit Report Scores

What is a credit report? A credit report shows your financial history, as created by credit bureaus. If you’ve ever fallen into debt, filed bankruptcy,and/or lost your home in foreclosure, your credit report may look like a battlefield. No worries–you can improve it. And this guide shows you precisely how to do that.

1- Get Your Credit Report
How do you get your credit report? Simple. You can get it by going to the three major credit bureaus, who have websites at Equifax.com, Experian.com, and Transunion.com. This is where your credit score is created. You can expect your scores to reflect: your payment history, how much you owe, length of your credit history, types of credit used, and your new credit.

2-Improve Your Payment History
You can improve your credit score in a variety of ways. No matter how bad you think it is, there is always a solution to improving credit scores and rebuilding your life after bankruptcy, home foreclosure, or job loss. To improve your credit report, improve your payment history. This means paying bills on time, getting current on past due bills, contacting creditors if you think you’ll not be able to pay a bill on time, and if you run into trouble working with a non profit credit  counselor (be thorough in researching them and making sure they’re legit).

3-Avoid Debts
One major problem people in debt face is high credit card balances. You want to keep these low. Why? They lower your scores, so keep them low and you can improve your score. Next, you want to avoid moving debt around; just pay it off. The more open  balances you have the lower your score gets.

You just have to be logical when it comes to debts. Here again there is professional help, just as there is for home owners facing foreclosure or bankruptcy.

4-Time and Credit History
Time is on your side if you follow these tips, but it’s something you obviously cannot “rush.” However, what you can do is not opening multiple accounts in a short period. If you have little credit history, this could hurt you.

5-Managing Credit
There are many other ways your credit score can do now that you may be unaware of, such as searching for a single loan. If you search for a single loan, perhaps for a home, multiple queries can surprisingly hurt your credit score. Also, if you make many credit queries in quickly, that can sometimes lower your credit score. If you have to do either, do them in as short a window as possible.

6-Improve Credit, Avoid Debt, Delay Problems
There are many other ways you can improve your credit, but if you run into problems with debt on a regular basis, or if you are simply out of reach of paying back all your debt, you may want to consult with non-profit counselor. If things look bad, perhaps you fear a home foreclosure, you could contact a bankruptcy lawyer and see your options. Chapter 13 bankruptcy can be advantageous, including delaying any foreclosures for years. Chapter 7 bankruptcy can eliminate credit card debt. If you do want bankruptcy and a fresh start, hire a good bankruptcy lawyer, and when you’re done, work on rebuilding your credit with the above tips.

Filed under: Bankruptcy Information — Tags: , , , , , , , , , , , — jmalewitz @ 12:22 pm

5 Tips on Filing Atlanta Chapter 7 Bankruptcy

What is Chapter 7 bankruptcy? Chapter 7 bankruptcy is a reasonable option for Atlanta residents with high credit card debt, numerous unpaid bills, and who have no way out of financial hardship. You may have lost your job, or someone close had a medical emergency, or perhaps you made a bad investment and are in the “red” with your finances.

The True Definition of Chapter 7 Bankruptcy for Atlanta Residents
Chapter 7 bankrupt is a liquidation proceeding where debts are discharged. It does not discharge all debts, such as alimony or taxes, but it can discharge medical, credit card, and mortgage debts. However, this is a liquidation proceeding where nonexempt items of yours can be sold to pay back creditors. In most cases, debtors lose nothing to creditors.

Before You File Atlanta Chapter 7 Bankruptcy
You must first make sure you’re eligible for Chapter 7 bankruptcy. If you make too much, you may be forced to file Chapter 13 bankruptcy under new federal laws. Depending on your income, assets, and debt burden, you may have to file Atlanta Chapter 13 bankruptcy. Also, if you filed bankruptcy 6-8 years ago, depending on what type of bankruptcy, you may not be eligible to file any bankruptcy.
Once you research limits, you also should research hiring an Atlanta bankruptcy attorney; you can find many online.

Filing Atlanta Chapter 7 Bankruptcy
You will need to file a petition with the bankruptcy court in your area when filing bankruptcy. After, you need to show schedules of assets and liabilities, info on current income and expenses, a statement of financial affairs, and a schedule of executory contracts and unexpired leases. You also need to supply your prior year tax return.

There other documents you must file if you’re an individual debtor filing Chapter 7 bankruptcy. Don’t worry–an Atlanta bankruptcy attorney can help you handle credit counseling debt repayment plan, evidence of payment from employers, a statement of monthly net income and potential changes in income and expenses after filing bankruptcy, and show a record of state or federal education accounts.

Sound hard?

Hiring an Atlanta Bankruptcy Attorney
An Atlanta bankruptcy attorney will help you with everything–if you choose the right one. Hiring lawyers can be difficult, but in most cases, you actually save money, assets, and time by hiring a professional bankruptcy attorney. He or she can advise you on bankruptcy law, walk you through all the steps of filing, and handle the court date.

If you need an Atlanta bankruptcy lawyer, you can find dozens online. Be sure to query experience, rates, and how busy they are. You want an attorney experienced in Atlanta law,  who fits your budget, and won’t put you on a huge list of clients for a small law firm.

Filed under: Bankruptcy Information — Tags: , , , , , , , , , — jmalewitz @ 3:12 pm

Atlanta Bankruptcy – When to File Chapter 7, When to File Chapter 13, and When Not to File Bankruptcy

How can bankruptcy help get you out of debt? When should you use Chapter 7 bankruptcy? And when is Chapter 13 bankruptcy your only option?

Depending on how you file bankruptcy in Atlanta, Chapter 7 and Chapter 13 bankruptcy have key  differences. But one thing is clear: most Atlanta residents wanting a fresh start, to clear debts and pay back what’s possible, choose Chapter 7 bankruptcy.

Why choose Chapter 7 bankruptcy over Chapter 13 in Atlanta? Most people want to file Chapter 7 because it allows you to clear major debts, especially credit debts. It doesn’t clear all debts, and you just might lose some things, but Atlanta Chapter 7 bankruptcy is the best way to start over and rebuild your finances.

Why You Choose Atlanta Chapter 7 Bankruptcy
The pluses of Chapter 7 bankruptcy are how it’s a fast and effective way out of most bills you simply cannot pay. You make no payments over time. Atlanta residents like you can be completely free and clear of the majority of debt.

In Chapter 13 bankruptcy, you have to pay back your debts, while Chapter 7 cancels most debt (we’ll talk about benefits of filing Chapter 13 bankruptcy too).

You can typically be free and clear in 3-6 months after filing Atlanta Chapter 7 bankruptcy. If you have thousands if not tens of thousands in credit card debt, you can be free of it in a matter of months. Since your property is liquidated to pay back debtors, there is a chance you will lose some things such as your car or home, but the reality is most filers lose practically nothing. Atlanta Chapter 7 bankruptcy does let you keep your essentials too–the less you have, the less you lose.

Negative Points on Atlanta Chapter 13 Bankruptcy
The disadvantages are pretty easy to see when you file Atlanta Chapter 13 bankruptcy: you have to pay debt back. Sure, it gives you more time, but you have to pay back debts on your mortgage, car, loans, and other possessions. Also, this is a 3-5 year process, versus a 3-6 month process for Atlanta Chapter 7 bankruptcy.

Many filers with enough income are now being forced to file for Chapter 13 bankruptcy instead of Chapter 7 bankruptcy. An Atlanta bankruptcy attorney can help you with the complex rules involved.

Alternatives to Atlanta Bankruptcy
There are alternatives to bankruptcy. Not only can you negotiate with creditors on your own and set up repayment plans, but you can also stop creditor harassment if it’s crossing the line. Many file Atlanta bankruptcy simply because creditors won’t stop calling. Filing bankruptcy will not stop creditors. If they cross the line and are calling you all hours of the night or worse saying improper things to you, you are protected by law and can take them to court. Also, since you can negotiate with creditors yourself, you can avoid putting bankruptcy on your record at all.

Filing Bankruptcy with an Atlanta Bankruptcy Attorney
In many cases filing bankruptcy is your best option. No matter your financial state, you need to hire a professional Atlanta bankruptcy lawyer to help you with this case. You can successfully file for bankruptcy and be clear of debts in no time.

Filed under: Bankruptcy Information — Tags: , , , , , , , — jmalewitz @ 10:10 am


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