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Recent Blog Posts

Will Debts Be Removed from Your Credit Report After Bankruptcy?

A recent decision by Bank of America and JP Morgan will provide some additional relief to people who have filed for bankruptcy across the United States. The two companies finally reached an agreement to update the credit reports of borrowers within the next several months to show they have settled their debts. This is a […]

Could You Be Evicted During a Bankruptcy?

When you file for bankruptcy protection, certain federal and state laws determine whether a landlord has the right to evict you. Specific factors requiring your attention include the timing of the bankruptcy filing and any eviction proceedings taking place. The following are a few scenarios: If you file after the eviction judgment: Landlords may evict […]

Examples of Chapter 13 Bankruptcy Protection in Georgia

Is Chapter 13 bankruptcy available to protect a person who is behind on child support or alimony payments and has been jailed or is facing an attempt to jail him or her? State court judges have the power to sanction a person for contempt of court for failing to comply with state court Orders requiring […]

Will You Ever Be Able to Buy a Home Again After Filing for Bankruptcy?

If you are trying to avoid bankruptcy because you think it will prevent you from ever being able to buy a home again, the good news is that this is not necessarily the case. While there will be some hurdles in your way to purchasing a home after bankruptcy, it may still be done, which […]

Do You Have to Be Completely Broke to File for Bankruptcy?

The idea that you need to be flat broke to seek bankruptcy protection is a misconception. The amount of money you make and the amount of debt you have are not the sole factors that determine whether or not you should file for bankruptcy. However, although there is not a minimum amount of debt required […]

Should You Max Out Credit Cards if You Plan on Filing for Bankruptcy Soon Anyway?

When you file for Chapter 7 bankruptcy, credit card debt is typically among the types of debt you will be able to have discharged. For some people, there is a temptation to completely max out all of their credit cards if they already know they are going to be filing for bankruptcy. The plan would […]

Will a Judge Always Approve a Bankruptcy Plan?

Unfortunately, putting together a bankruptcy plan is not always as easy as writing it down and getting a judge to approve it. In some cases, the judge has the right to reject a plan, as was highlighted in a recent U.S. Supreme Court case. In the case, the Supreme Court ruled against a Massachusetts man […]

Can You Keep Your Car if You File for Bankruptcy in Georgia?

Your ability to keep your vehicle while filing for Chapter 7 bankruptcy in Georgia depends on whether you are covered under the state’s motor vehicle exemption. If the equity in your vehicle falls under the car exemption amount, then the bankruptcy trustee cannot sell it to help pay off your debts. However, if the equity […]

What Happens to a 401(k) When You File for Bankruptcy?

When you have worked for so many years to build up your retirement savings, the last thing you want is for creditors to come after your 401(k) account if you file for bankruptcy. . Fortunately, whether you file a Chapter 7 or Chapter 13 bankruptcy case, your 401(k) account is considered to be a protected […]

Converting a Bankruptcy Proceeding from Chapter 13 to Chapter 7

If you are unable to afford your payments under a Chapter 13 bankruptcy repayment plan, you may have the ability to convert your case into Chapter 7 bankruptcy instead, unless you already received a Chapter 7 discharge at any time in the last eight years. The process of converting your case is relatively simple; however, […]