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Recent Blog Posts

Will I Be Taxed on my Foreclosed Home

Many people worry about the tax ramifications of canceled debt and foreclosures when they consider filing for bankruptcy, and rightly so.  No one wants to get the “fresh start” bankruptcy affords just to be hit with massive taxes the following April.  However, when you receive a discharge of your debts in bankruptcy, you do NOT… Read More »

What if Your Income Is Too High for Chapter 7 but Your Debt Is Too High for Chapter 13?

For individual debtors, Chapter 7 and Chapter 13 are the most common personal bankruptcy filings in Georgia and likely in every other state as well. Both types have certain eligibility requirements, and in some cases, people may not qualify for either. Chapter 7 eligibility requires petitioners to pass a means test that considers their income… Read More »

Consumer Beware: Debt Consolidation Scams

Bankruptcy Individuals with overwhelming debt often feel desperate about finding financial solutions. Unfortunately, some people fall prey to companies engaged in debt consolidation scams. Such scams put the individuals further into debt and violate their rights under fair debt collection laws. Government cracks down on illegal collection activities Georgia residents who suspect they are victims… Read More »

A “Heads-Up” On Payday Loans, (Or, You Can Never Be Too Careful Out There)

Scammers are ever-resourceful in finding a way to debit a bank account. The Federal Trade Commission (FTC) unearthed a $9.5 million scam involving online applications for payday loans. When a consumer applied for a loan on the scammer’s website, they were asked to provide personal and financial information including a bank account number. Near the… Read More »

Budgeting Tips for After Bankruptcy

Budgeting is a preventative measure that can keep people from falling into debt. Sometimes unforeseen events lead to bankruptcy, such as divorce, illness or investment loss. However, in other instances, debt results from poor financial management. If poor financial management was a factor, it is important to avoid repeating the same mistakes. Budgeting is one… Read More »

Avoiding Loan Modification Scams

The real estate and foreclosure crisis has taken an untold toll on the lives of many Georgia residents.  Our state has been particularly hard hit and continues to wade through the recovery process.  What adds to the difficulty is the number of scam artists who have surfaced trying to take advantage of those who are… Read More »

Should I Reaffirm a Debt in a Chapter 7 Bankruptcy Proceeding?

You may have heard that you can “reaffirm” a debt in a Chapter 7 bankruptcy proceeding.  The decision whether or not to reaffirm a debt is a delicate one, and best undertaken only with the assistance of a qualified Athens Chapter 7 bankruptcy lawyer, as it will affect your legal rights and obligations. First of… Read More »

Will Bankruptcy Get Rid of my Medical Bills and Lien??

This is a very common question in many bankruptcy cases.  Whether you were in a car accident or had an unexpected health emergency, if your insurance provider does not cover the entire medical care process, you are left “on the hook” for these bills. Medical bills are dischargeable in bankruptcy, even medical bills associated with… Read More »

Georgia’s Bankruptcy Property Exclusions

One of the most common misconceptions about bankruptcy is that it requires you to turn over and sell everything you own to get a discharge of your debts. However, in addition to the fact that liquidation bankruptcy under Chapter 7 is only one of several types of bankruptcy available to individuals and businesses, even under… Read More »

Is There Anything I Can Do to Prevent a Foreclosure on My Home?

The answer to your question is an emphatic YES.  While the prospect of losing your home can be overwhelming, competent, qualified Athens bankruptcy lawyers with experience in Georgia foreclosures can help you understand your options. The first option you have when you receive a foreclosure notice is to contact your lender directly and see what… Read More »

Jeff Field & Associates
342 N. Clarendon Avenue
Scottdale, GA, 30079 USA
404-381-1278