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How Are Chapter 13 Plans Structured and How Are Payments Calculated?

If you’re experiencing burdensome debt but are skittish about declaring bankruptcy, Chapter 13 is an alternative that may be right for you. Unlike a Chapter 7 bankruptcy — in which many of your debts may be discharged but at the cost of losing much of your property — Chapter 13 allows you to pay off Read More

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How Chapter 13 Can Save Your Home from Mortgage Foreclosure

Foreclosure of your family home can be devastating. If you’re struggling to keep up with mortgage payments or the lender sent you a foreclosure notice, you may be able to save your home by filing a petition for Chapter 13 bankruptcy. Critically, once a Chapter 13 petition has been filed, an automatic stay goes into Read More

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Using Chapter 13 to Deal With Overdue Taxes

Can IRS debt be discharged in chapter 13? The general rule in bankruptcy is that tax debts are not dischargeable. While a Chapter 13 repayment plan can stagger repayment of taxes over a three- to five-year period, it cannot wipe out all tax debts. However, there are exceptions. The test for dischargeability is whether a Read More

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How Much Must Creditors Be Repaid in a Chapter 13 Plan in Georgia?

Chapter 13, also known as a “wage earner’s plan,” is a popular alternative to traditional bankruptcy for people who simply need breathing room to deal with crushing debt. Chapter 13 bankruptcy allows debtors to keep their possessions and pay back creditors a percentage of their arrearages over a period of three to five years. What’s Read More

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What Happens When Only One Spouse Files for Bankruptcy in Georgia?

The experienced Georgia bankruptcy lawyers at Jeff Field & Associates help married couples understand the possible positive and negative outcomes of filing for Chapter 13 or Chapter 7 bankruptcy.

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Does a Prior Chapter 7 or Chapter 13 Bankruptcy Block a Second Filing?

Georgia sees more bankruptcy filings than almost any other state, significantly exceeding the national average. This has been attributed to a combination of factors, among them state laws that protect creditors and leave consumers vulnerable and other laws that make it easy for people to seek debt relief in court. In such an economic environment, Read More

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Using Chapter 13 Bankruptcy as a Remedy for Mortgage Foreclosure

If you are in danger of losing your home to foreclosure, filing for Chapter 13 bankruptcy may be a smart, strategic move. It puts an automatic stay in place to prevent creditors from trying to collect owed payments. This stay also temporarily pauses the foreclosure process or prevents it from being initiated. As long as Read More

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How Does Bankruptcy Discharge Affect Your Credit?

While debt trouble is the prime motivation for declaring bankruptcy, debt relief is not the same thing as obtaining a clean slate for your credit rating. The fresh start afforded by bankruptcy unfortunately can come with the stigma of having once been a poor lending risk. Record of a bankruptcy will stay on your credit Read More

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Can I Afford a Lawyer to File for a Georgia Bankruptcy?

  Needless to say, if someone is considering filing for a Georgia bankruptcy, money is tight. One of the most common questions that come up when prospective clients discuss bankruptcy options is their concern that they cannot afford a lawyer. There are a few things to understand about the lawyer’s fee for a bankruptcy case. Read More

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Ending Georgia Wage Garnishments by Filing for Bankruptcy

After a creditor has obtained a judgment, the creditor may seek an order allowing garnishment of the debtor’s wages. If approved, this remedy generally allows a creditor to take up to 25 percent of the debtor’s disposable weekly earnings, which consist of gross pay after taxes, social security, state unemployment insurance, and employee retirement contributions. Read More

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    5.0/5.0

    Jeff Field & Associates, guided me through my Chapter 13 very smoothly. All my accounts and debt are paid off and my credit scores are all above 700! I highly recommend Jeff Field & Associates.

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    There are several words that come to mind when I think of Jeff Fields & Associates, Athens GA, however, I would just list a few. Some of them ate Professional, factual, caring, compassionate, timely, supportive, and detailed. I found myself in a situ...

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    Mr. Fields and his staff was very professional and they explained everything so it was clear to me and they made sure I understood the process. I would recommend they to all my family and friends especially if they need a very good financial relief l...

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    I had an Impeccable experience with Mr. Fields and his associates! I cannot express my gratitude to them. I called for my free consultation and got an appointment that same week. Mr. Fields answered all my questions and listened to my situation thoro...

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    5.0/5.0

    It was definitely a process due to the COVID pandemic but I am so glad I chose Jeff Fields and Associates. Everyone from the office that I worked with was always polite and responsive to all my questions and needs. I was hesitant on filing because I ...

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