Yes. If you file Chapter 13 and are able to continue to make regular monthly mortgage payments, your house cannot be foreclosed on while you are in Chapter 13. The important question is, “Can you afford your future payments?” If so, Chapter 13 is a great option for you. Any past due payments on your […]
Can I keep my house if I file Chapter 13? Read More »
For both Chapter 7 and Chapter 13 bankruptcy, you should bring to your 341 Meeting of Creditors: 1. your driver’s license: 2. your social security card: 3. Proof of your car insurance: 4. Proof of your house insurance and: 5. Proof of your post-petition mortgage payments. If you can’t find your social security card, bring
Bankruptcy – What do I need to bring to my 341 Meeting of Creditors? Read More »
If you have a car that was purchased more than 910 days before you file bankruptcy, Chapter 13 might be a better option for you as opposed to Chapter 7. In a Chapter 13, if your car was purchased more than 910 days before filing, section 506A valuation will apply to your plan. This means
When is Chapter 13 a better choice than a Chapter 7? Read More »
In my sixteen years of experience as a bankruptcy attorney, I have seen many clients who have been forced to file either Chapter 13 or Chapter 7 because of a recent divorce. When the household income is cut in half but the household expenses remain the same, paying credit card debt is almost impossible. I
Should I File Bankruptcy Before or After the Divorce? Read More »
If you have decided to file bankruptcy in Northwest Georgia, the next step is to call my office at 1-888-832-8249 to schedule an appointment. I have offices located throughout Northwest Georgia in Dalton, Cartersville, Rome and Dallas. Currently, I take late evening appointments in Rome on Thursdays. During this first appointment, we will go over your
Bankruptcy – What is the next step if you are ready to file? Read More »
You can get a student loan after you file for bankruptcy. According to the Unified Student Loan Policy Common Manual of April 2005, Chapter 5, paragraph 5.6, the Bankruptcy Reform Act of 1994 prevents a school or lender from denying a federal loan or grant to an applicant solely because he or she has filed
Can I get a student loan after I file bankruptcy? Read More »
If you file bankruptcy in Northwest Georgia, you will have to go to court with your bankruptcy attorney in Rome, Georgia. When you file Chapter 13 bankruptcy, you must attend two court hearings. The first is called the section 341 meeting of creditors and the second one is called your confirmation hearing. If you have
Bankruptcy – Will I have to go to court if I file? Read More »
You can wipe out some tax debt in bankruptcy depending on the type of tax debt. Personal Income Taxes If the tax liability is less than three years old, it cannot be wiped out. If the tax liability is more than three years old, we may be able to wipe out the debt. I want
Can I wipe out tax debt in bankruptcy? Read More »
No. Bankruptcy does not protect you from criminal prosecution for writing bad checks. In fact, bankruptcy does not protect you from any criminal prosecution. I spoke with a client in my Rome Georgia office a few weeks ago who wrote some bad checks to a local grocery store. She told me that she was buying
Bankruptcy – Can you wipe out bad checks in a Georgia Bankruptcy? Read More »
Getting a cosigner in Georgia to obtain a loan is always a bad idea. If anything happens to you, your cosigner will left holding the bag.
Should I Get a Cosigner for My Loan? Read More »