New Book Released on Dealing with Debt
Are your finances starting to mount? Struggling with debt? I have met with thousands of people facing almost every type of debt issue. Although some need to file for bankruptcy protection, many clients avoid bankruptcy and set-up a financial restructure plan. People struggling with debt have fewer options today because of the state of the economy: … Continue reading
Rebuilding Your Credit After Bankruptcy
Once of the biggest mistakes clients make coming out of bankruptcy is that they fail to run a credit report to ensure that all of their information has been updated. My office receives at least one call a month from a former client who has waited several years to pull their report (usually after they … Continue reading
Does Bankruptcy Affect Your Immigration Status?
This question often comes up in my practice from both potential clients that have not yet become US Citizens and those who are without documentation. Does Bankruptcy Prevent You From Becoming a Citizen? No. The good news for non-citizens is that filing a bankruptcy generally will not affect immigration status or citizenship applications. The issues … Continue reading
Have you received a notice for a November 5th foreclosure?
If you live in Georgia and you are behind on your mortgage you may have already received a notice of sale from your lender. Whatever you do please do not put off dealing with this issue because regardless of whether you have any value in your home, on November 5th, your home will be sold … Continue reading
Beware of when you take your pre-bankruptcy credit counseling!
Before someone can file for bankruptcy protection they are required to take a pre-bankruptcy credit counseling course. This course is intended to review the client’s finances pre-filing to see if there are any other options they should consider before filing. Once the client completes this course the certificate is good for 180 days. This … Continue reading
Can a creditor collect against an authorized user in Georgia?
This question comes up almost daily in my office when meeting with prospective clients. If a spouse, parent, or friend listed you as an authorized user on their credit card account and then either party files for bankruptcy who can the creditor pursue for the balance? Adding a family member or friend as an authorized … Continue reading
What Do You Do When Your Rental Home is Facing Foreclosure?
Rental Homes in Georgia Facing Foreclosure Practicing bankruptcy law in Atlanta, Georgia my office gets a call on this topic at least once a week from both tenants and landlords in Georgia. In this still chaotic housing market many renters are finding themselves living in now foreclosed homes. What do they do? Do they have to leave immediately or is … Continue reading
The Disregard Some Creditors Have for Consumers in Appalling
I have been a bankruptcy attorney for over a decade and I have seen many angry creditors. Some rightfully so because they were being denied payment and needed that money for their own business. Others have launched into a tirade attacking our clients on a personal level which even then I am pretty much immune. … Continue reading
Avoiding Jail for Delinquent Child Support Arrears
Chapter 13 Bankruptcy: Restructuring Domestic Support Obligations One of the lesser known “powers” of Chapter 13 bankruptcy repayment plans is to allow a debtor that is behind on a domestic support obligation (e.g child support, alimony) to place the amount in arrears into a Chapter 13 bankruptcy repayment plan and stretch out that repayment for … Continue reading
Filing Bankruptcy in Georgia 