The cash exemption is often a major consideration for Georgia consumers who are considering filing for bankruptcy. Especially during tax refund season, I often have clients who will ask, “How much of the cash in my bank account can I keep if I file bankruptcy?” In Georgia bankruptcy cases, the answer to this question is […]
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When I meet with potential clients from the North Georgia area, one of the first questions I usually get between January and April is, “Can I keep my tax refund if I file bankruptcy?” For some, the answer is yes, and for others, the answer is no. Most people have plans for how they
Bankruptcy – Can I Keep My Tax Refund If I File? Read More »
The Wall Street Journal recently reported on a mortgage company regulation bill that is working its way through Congress (Click here to read the article). The Journal reports that mortgage companies are lobbying Congress to “soften a series of provisions that reshape how most Americans obtain home loans.” The bill proposes: 1. To require lenders
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I have friends who buy into this myth that people who file bankruptcy go out and run up their credit cards right before filing. The truth is that almost no one does this and those few that do end up paying it all back. In a Chapter 7 bankruptcy, you cannot incur debt with the
Bankruptcy – Can’t Incur Debt with the Intent of Discharging it Read More »
In a Chapter 13, an objection to confirmation is basically a written statement from the Chapter 13 Trustee or a creditor of the debtor that there is something wrong with the case that needs to be fixed before the confirmation hearing. I advise all of clients from Dallas, Hiram, Douglasville, Calhoun, Cartersville, Rome, Dalton and
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Yes, you can file a Chapter 13 bankruptcy in Georgia even if you are unemployed as long as you are receiving unemployment income. If you have zero income, you obviously won’t be able to file a Chapter 13 bankruptcy. A great place to search for jobs for free in the Northwest Georgia area is craigslist.
Chapter 13 Bankruptcy- Can I File in Georgia If I am Unemployed? Read More »
After Bankruptcy, many clients wonder how fast they will have to move out of the house in cases where it is the intention of the debtor to surrender the house. In the Northwest Georgia area, it can be difficult to find the right place to rent. No one wants to rush out and sign a
After Bankruptcy – When Do I Have To Move Out of My House? Read More »
Bankruptcy often follows divorce. I recently met with a bankruptcy client in my Rome GA office who went through a nasty divorce proceeding about two years ago. The judge in the divorce case ordered my client to sign his interest in a house with equity over to his now ex-wife. His ex-wife and his four
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A Motion for Relief from the automatic stay is basically a request from a creditor to the Bankruptcy Court for permission to take back collateral. Motions for Relief are set down for hearings before the Bankruptcy Court. In Northwest Georgia, these hearings are held at the Federal Building in downtown Rome GA. Debtors and their
What is a Motion for Relief from Automatic Stay in Bankruptcy? Read More »
When you are in a Chapter 13 bankruptcy and the mortgage company refuses to accept your mortgage payment, you need to call my office and set up an appointment with me as soon as you can. We must make sure that your mortgage payment is accepted. Sometimes, when a person files a Chapter 13 bankruptcy,
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