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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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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Signs You Should Consider Filing for Bankruptcy in Georgia
Financial trouble rarely arrives overnight for Georgia consumers. For most, it builds gradually with missed debt payments, rising loan balances interest and increased collection pressures, until reaching the point where the debtor might need protection from creditors. Recognizing the warning signs early on can help you decide when it’s time to explore bankruptcy options and Read More
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Filing for Bankruptcy Can Stop Wage Garnishments Instantly
Wage garnishment is a legal process that allows a creditor, based on a court judgment, to require your employer to divert a portion of each paycheck to satisfying the debt. Garnishment is often used by credit card companies, medical services providers, personal loan lenders and debt buyers. When part of every paycheck is taken before Read More
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How Gig-Worker Income Is Proved in Bankruptcy
Since the 2020 pandemic dramatically reshuffled the economy, more and more individuals are earning income by performing short-term, flexible on-demand tasks or projects instead of holding traditional long-term jobs. By some estimates, 36 to 40 percent of the U.S. workforce is engaged in freelancing, typically through gig marketplaces or and other online platforms. While gig Read More
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What Georgians Need to Know About Updated Chapter 7 Income Limits
If you are a distressed debtor in Georgia, a recent change in the law may have a positive effect on your eligibility for Chapter 7 bankruptcy protection. Debtors must satisfy a means test, which compares their monthly income to Georgia’s median and looks at their allowed expenses. A debtor who is found to have enough Read More
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How Georgia’s New Homestead Exemption Affects Bankruptcy Strategy
Georgia homeowners considering bankruptcy relief have an important new advantage. A major increase in the state’s homestead exemption should allow more people to keep their homes in Chapter 7 bankruptcy while also improving the outcome for many Chapter 13 filers. A state law that took effect July 1, 2026 more than doubled Georgia’s homestead exemption, 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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