By Jeff Field | Published November 2, 2026 | Posted in Bankruptcy | Tagged Tags: mortgage, unexpected surgery, unsecured debt | Leave a comment
Bankruptcy and Medical Debt in Georgia
Medical debt is one of the most common reasons people consider filing for bankruptcy. A single hospital stay or unexpected surgery can leave a family with thousands of dollars in bills. The healthcare industry can be just as aggressive as other creditors in seeking payment. Hospitals frequently outsource unpaid accounts to third-party collectors, who may Read More
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What Happens to Cosigners in a Georgia Bankruptcy?
When you file for bankruptcy in Georgia, you’re looking for relief from debt. But if someone cosigned a loan for you what happens to them? In Georgia, cosigners are common for auto loans, personal loans, private student loans and even some credit cards. Cosigners— such as a friend, parent, spouse or relative — take on Read More
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Using Bankruptcy as Relief From Payday Loans
Payday loans are short‑term, high‑interest loans that serve as quick cash advances for people who need money before their next paycheck. The lender expects repayment with interest within a few weeks, and borrowers who can’t pay may have to borrow further. As such, these loans can trap borrowers in a cycle of debt that becomes Read More
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How HOA Fees and Assessments Are Treated in Bankruptcy
Homeowners’ associations in Georgia have strong powers to enforce payment of fees and assessments, including the ability to file liens, pursue lawsuits and in some cases initiate foreclosure. When dues go unpaid, late fees, interest and attorneys’ fees can accumulate, turning a small delinquency into a major financial problem. This can add to the woes Read More
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Bankruptcy as a Remedy for Wage Garnishment in Georgia
Wage garnishment is a harsh type of debt collection that can begin quickly and with little warning. Suddenly, a portion of your paycheck is diverted to creditors, leaving you struggling to cover basic expenses like rent, utilities and groceries. In Georgia, once a court order is obtained, creditors usually can garnish up to 25 percent Read More
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Bankruptcy and the IRS: What Relief From Income Tax Debt Is Available?
Income tax debt is often one of the most significant financial problems for Georgia consumers, who may struggle with penalties, interest and collection pressure. Bankruptcy can often provide significant relief. However, specific requirements are met for discharge or reorganization to be viable solutions. Tax debt often arises from circumstances outside the debtor’s control, such as Read More
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How Bankruptcy Helps Small Business Owners Facing Personal Liability
For small business owners in Georgia, personal and business finances can easily overlap. Sole proprietors and individuals who sign personal guarantees on business loans are personally responsible for those debts. In some cases, the owner’s assets serve as collateral. When the business suffers financial strain, these liabilities can lead to collection measures and eventually to Read More
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With Georgia Car Repossessions Rising, Bankruptcy Can Be a Lifeline
Car repossessions are surging across Georgia, due to defaults driven by inflation, rising insurance premiums and auto loans issued at historically high interest rates. For many individuals, a car is essential to earning a living, attending to essential needs and caring for loved ones. When monthly payments become unmanageable and the borrower defaults, repossession can Read More
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Comparing Debt Relief Options: How to Choose the Right Path
Georgia consumers facing overwhelming debt should be aware that there’s no single “best” solution. Of the multiple debt-relief options available, each works differently, and the right choice depends on your income, assets and long-term goals. For many people, Chapter 7 offers the fastest and most expedient method of debt relief. It eliminates most unsecured debts, Read More
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What Assets Can You Keep When Filing Bankruptcy in Georgia?
When people think about declaring bankruptcy, they might worry they’ll lose everything to creditors. In reality, there are Georgia laws that exempt much of the property you rely on every day: your home, your car, your household items and your retirement savings. For most Georgians filing a Chapter 7 bankruptcy, these exemptions cover all or Read More
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I had an excellent experience working with my bankruptcy attorney. From the very beginning, they were professional, knowledgeable, and compassionate. Filing bankruptcy can be overwhelming, but they took the time to explain every step of the process, ...
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I had a great experience using Jeff Field and Associates for filing my Bankruptcy. Everyone was very professional and helpful. Connie Adams was so knowledgeable and patient with all of my questions I’m so glad that I chose this law firm and would r...
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Great experience from start to finish. The process was smooth and stress-free, and Ms. Connie was amazing throughout—very helpful, professional, and supportive. I truly appreciate all the guidance and would highly recommend this firm.
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