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What a Bankruptcy Attorney Can Do That You Probably Can’t

Individuals filing for bankruptcy have the right to represent themselves. Some people are tempted to do so, reasoning that bankruptcy consists of simply filling out forms. However, in most cases, going into bankruptcy without an attorney is a risky course of action. According to recent statistics, people who file Chapter 7 bankruptcy petitions through legal Read More

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Bankruptcy Abuse Prevention Law Can Limit Discharge of Credit Card Debt

The purpose of bankruptcy is to give financially overwhelmed individuals a fresh start and the chance to repair their credit. Many types of consumer debts can be discharged (canceled) in bankruptcy, including personal loans, medical bills, past due utility charges and, quite commonly, credit card accounts. In fact, much of the debt in Chapter 7 Read More

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Using Chapter 7 to Protect Your Personal and Business Assets

While Chapter 7 is commonly thought of as consumer bankruptcy, debtors often have business debt as well. Many people operate small businesses full-time or have “side hustle” businesses they run on a part-time basis. When entrepreneurs face overwhelming debt associated with the business, they may look to bankruptcy as a remedy. A common question is Read More

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Can You Convert a Chapter 13 to a Chapter 7 Bankruptcy?

Individual debtors who want to take advantage of bankruptcy law to reduce or wipe out their debt burden have two options. One is Chapter 13 bankruptcy, which is designed for debtors who don’t want to sell off their property to pay off their creditors but instead want to make repayment of their debts more manageable. Read More

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How Filing for Medical Bankruptcy Can Help With Health Insurance

Unmanageable debt due to medical expenses is a major reason why Americans fall into financial hardship. If you’re in this situation, you might not even be able to afford health insurance, with the result that your medical bills continue to mount. Filing for bankruptcy can alleviate your economic burdens and offer you a fresh start. Read More

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How Chapter 7 Can Provide a Fresh Start During the Pandemic

The coronavirus pandemic has had devastating financial effects on many families as a result of widespread job losses, business curtailments and company closures. If you have become burdened with overwhelming debt during these harsh times, a Chapter 7 bankruptcy may offer you the fresh start you need to move forward. If you are suffering loss Read More

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What to Do If You Fail the Chapter 7 Means Test

In order to file for bankruptcy protection under Chapter 7, you must be able to show that your average monthly income for the six months prior to your bankruptcy filing is below the median income for a household of your size in your state. This is because Chapter 7 bankruptcy is meant for people with Read More

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What Is the “Means Test” in a Chapter 7 Bankruptcy?

If you are behind on your monthly bills and feel you are drowning in debt, filing for a Chapter 7 bankruptcy can give you a fresh start. Simply put, a Chapter 7 forgives most of your debts while allowing you to keep some of your property and to rebuild your creditworthiness. As attractive as this Read More

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    Jeff Fields and Associates in Athens, GA are the best! I met with Mr. Fields and he was very professional and understanding. I felt bad because I had to file bankruptcy, but he made me feel better. He told me to not feel bad because life happens. His...

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