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When facing serious financial problems, one option to consider is filing for a Georgia bankruptcy. Many people have a misconception of what bankruptcy involves—some think that by choosing to file for bankruptcy they will be left with nothing and everything they own will be taken, including their personal items like furniture. This, however, is not Read More

The decision to file for Bankruptcy is very personal and can be difficult. If your financial situation has taken a turn for the worse because your debt has gotten out of hand, you may feel overwhelmed or ashamed at your financial state. As a result, bankruptcy can feel like a failure that you don’t want Read More

Many people assume because they are getting a fresh financial start and most if not all of their debts are discharged in bankruptcy that they are not permitted to own many assets for a few years afterwards. This is a commonly held misconception – any property that has been deemed exempt under Georgia’s bankruptcy laws Read More

You filed for bankruptcy in Georgia and received a discharge of your debt, including the mortgage on your house, the car you surrendered, or your credit card debt. You’ve used the fresh start to get your life back on track, free of creditors harassing you. Then one day you open your mail and find one Read More

Usually married couples end up filing a joint bankruptcy petition because most of their debt (mortgage, car loan, credit cards) are in both names. But there are exceptions, so if you are thinking about filing bankruptcy without your spouse here are some things to consider. Is any of your debt in both of your names? Read More

If you are like most Chapter 7 debtors you owe money on the car or truck you drive, and you want to keep it. Usually you sign a Reaffirmation Agreement with the lender, which means that you agree to keep making the payments to the lender after your bankruptcy case is over. But what happens Read More

Anyone filing for bankruptcy is already having a tough time managing debts, so to say that you should get a credit card right after bankruptcy sounds crazy. However, there are right and wrong ways to manage debt and choosing the right credit cards could help you rebuild your credit after bankruptcy.Read More

Filing for bankruptcy can help you overcome your overwhelming debts and get you back on track when it comes to your finances.  However, many are afraid to file bankruptcy due to the fact that it will affect your credit.  When you weigh the fact that so will unpaid debts and bills though, you will find that bankruptcy Read More

Life After Bankruptcy So what happens after you received your discharge from the bankruptcy court and your case has been closed? What changes and what stays the same? Here’s what to expect from your life after bankruptcy. No More Creditor Phone Calls The first thing your are going to notice, from the moment that your Read More