404-381-1278 Free Initial Consultation

Recent Blog Posts

Lien Stripping of an Unsecured Junior Lien By A Homeowner In A Chapter 7 Bankruptcy

Is It The End Of The Line For A “Strip Off” Of A Wholly Unsecured Junior Lien By A Homeowner In A Chapter 7 Case? We should soon know. The Eleventh Circuit Court of Appeals located in Atlanta, GA is the appellate court for federal courts located in Georgia as well as those federal courts… Read More »

What is a “Chapter 20” Bankruptcy?

There are occasionally times when individuals have financial problems that cannot be entirely solved by filing a Chapter 7 or Chapter 13 bankruptcy.  In these unique situations, it may be best to file a Chapter 7 bankruptcy and then immediately file a Chapter 13 bankruptcy, informally known as a “Chapter 20.” Why would you do… Read More »

Seek Relief for Creditors Violating the FDCPA

In a recent bankruptcy court decision issued on 7-10-14 by the Federal Appellate Court in Atlanta, GA, it appears that debtors in Georgia who file a bankruptcy case to get a better control over their debts and to seek all of the relief the bankruptcy code allows will be allowed a huge bonus!  During their bankruptcy… Read More »

I Just Went Through a Foreclosure! Do I Still Owe the Mortgage Company and Property Taxes?

Going through a foreclosure can be a very trying time for anyone involved.  To make matters worse, most homeowners do not know what happens to their liabilities after a foreclosure takes place.  Do you still owe the mortgage company?  Do you owe property taxes?  What about my homeowner’s association (HOA) dues?  This blog will address… Read More »

What is a Deed in Lieu of Foreclosure?

The government has established a number of programs to help distressed homeowners who are late on their payments, who are underwater on their mortgage, who are unemployed or who need assistance to refinance their home.  The government describes these programs in detail at the website http://www.makinghomeaffordable.gov. All of these programs seek to help homeowners dealing… Read More »

Chapter 7 Bankruptcy: The Basics

Bankruptcy is a creature of federal law and is found in Article I, Section 8 of the U.S. Constitution which states that Congress shall have the power to “establish a uniform rule of naturalization, and uniform laws on the subject of bankruptcies throughout the United States.” Thus, the ability to seek bankruptcy protection is a… Read More »

Filing Bankruptcy to “Undo” the Mistake of Co-signing for Debt

     Throughout our lives we will be faced with the opportunity to help out family and friends in need of financial assistance.  A common way for people to achieve this is through co-signing on a loan.  When you co-sign with someone else you make yourself equally liable for the debt with the co-borrower.  If everything… Read More »

How to Manage Your Life and Your Money During Your Chapter 13 Bankruptcy

Congratulations! You’re probably wondering why anyone would be congratulating you for filing for bankruptcy.  You’ve done yourself a favor by taking the first step in rebuilding your financial life, while at the same time freeing yourself of the stress of managing debt.  As you know, Chapter 13 is a payment-based bankruptcy that can take three to five years… Read More »

Specialized Forms of Bankruptcy in Georgia

The three most common types of bankruptcy — Chapter 7, Chapter 13 and Chapter 11 — account for nearly all business and personal bankruptcy filings in Georgia and the rest of the United States. There are also several other types of bankruptcy available under the U.S. Bankruptcy Code that are less commonly used, but they… Read More »

How Can I Get Debt Relief from a Creditor who is Garnishing My Wages?

Although not all creditors can or will garnish your wages, when you owe debt, aggressive creditors can do so. They must follow a specific process, but unscrupulous creditors may take advantage of consumers who are unaware of their rights. Athens Chapter 7 bankruptcy lawyers keep you informed of your rights and protect you along the… Read More »