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Jeff Field
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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

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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

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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

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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

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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

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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

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Will I Lose Everything I Own if I Declare Bankruptcy?

Many people fear going into bankruptcy because they believe that they will lose everything they own and be out on the street relying on the charity of strangers.  It isn’t that bad. It is important to remember that the purpose of a bankruptcy proceeding is to help you wipe the slate clean and move forward Read More

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Will I Be Able to Eliminate All or Part of My Student Loan Debt by Declaring Bankruptcy?

One of the largest sources of consumer debt is federal student loans. Student loan debt is increasing in staggering numbers, and people are having a difficult time keeping up with the payments.  A recent report by the Federal Reserve Board of New York estimates that the total amount of outstanding student loans in the United Read More

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Track it. Know it. Change it.

Want to change your behavior?  Well, to change it you must first know it. No matter what habit you’re looking to change you probably think you know the behavior.  Here’s what I mean, let’s say you want to better manage your money and you know the key change is to have a budget.  In preparing Read More

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Where Can I File for Bankruptcy in Georgia and What Law Applies?

Where Can I File for Bankruptcy in Georgia and What Law Applies? Where you file depends on where you live in Georgia and how long you have lived there. Georgia has three bankruptcy districts. Those three districts have a total of fifteen divisions in which bankruptcy courts are located. Northern District: Atlanta, Gainesville, Newnan, Rome Read More

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