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Should I Buy A Car Just Before Filing For Bankruptcy?
This is another question that comes up more frequently that people might think. “I am facing financial problems, so how does it make sense for me to go out and borrow more money or use what little...
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Am I Responsible For Debts My Former Spouse Is Supposed To Pay After Divorce?
One of the most frequently asked questions on the various debt and bankruptcy forums is whether a person is still responsible for debts their former spouse agreed to pay (or was ordered to pay) in a...
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Can I Discharge My Gambling Debts In Bankruptcy?
Georgia is not a big (legal) gambling state, other than the state sponsored Georgia Lottery, and most gambling is done on a cash basis. However, occasionally clients do come in with some gambling...
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Can I Take Control Of An Irresponsible Relative’s Finances?
Do you have a friend or relative who just throws money away by spending every penny or running up credit cards and debt on unnecessary things? All of know people who do that to some extent. What if a...
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Can I Object To A Claim Filed In My Chapter 7 Case?
After the filing of a Chapter 7 case, creditors generally have the opportunity to file a claim for money they believe is owed to them. This is generally done through an official “Proof of Claim” form....
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When Do Payments Begin In A Chapter 13 Case?
As discussed in more detail in this post about Chapter 13 Basics and this post about Chapter 13 Plans, and Chapter 13 payments, the basic goal of Chapter 13 is to pay back some or all of your debts...
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Online Advice (AVVO, LawGuru…) Is Not A Substitute For Your Own Lawyer.
I have participated on forums such as AVVO and LawGuru in the past, and found they can be pretty useful most of the time. People are able to post general questions about legal issues (or potential...
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What Does It Mean When A Bankruptcy Lawyer Is a “Debt Relief Agency?”
Maybe you have seen the words “debt relief agency” on a lawyer’s website or other marketing materials. The phrase “debt relief” has been used for many years as a substitute for the word “bankruptcy,”...
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Do I Need A Lawyer For A Home Loan Modification?
Home loan modifications have been a really big deal the last few years. The reality, however, is that the number of actual successful modifications is far less than originally “promised” by...
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Will I Be Arrested For Not Paying My Student Loans?
In the last few days, a lot of attention has been given to a story about a man in Texas arrested by U.S. Marshals because he did not make his student loan payments, or was in default. The story...
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Will The Trustee Or Creditors Look At My Social Media Posts To See What Stuff...
A couple of events made the news in the last week or so that are relevant to Bankruptcy or financial matters. In this prior post, we discussed the mostly made-up story about the man who was supposedly...
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Why Are Old Debts Still On My Credit Report After They Were Discharged In My...
The primary goal of most Bankruptcy cases is to get a discharge of some or all of your debts. The discharge order is an important document that will permanently protect you from future attempts to...
View ArticleSometimes Life Just Happens.
Bankruptcy can solve most, and sometimes all, financial problems for some. It provides an opportunity to move forward in life without the heavy anchor of overwhelming debt. For many, it is a chance...
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What Are My Chances Of Filing My Chapter 13 Case Without A Lawyer?
The internet is a great thing, so thanks to Al Gore for inventing it. If I need to fix something around the house and run into trouble, chances are there are Youtube videos that will solve the...
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If I Pay Off One Credit Card Before Filing For Bankruptcy Can I Keep the Card?
There are many things people think about in the days and weeks before a Bankruptcy case is filed, and one of them is what happens to their credit cards. Most of us use credit cards on a weekly, if...
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April 15 Is Coming Up: The Importance Of Filing Tax Returns On Time!
As we all know, April 15 is a bad day for almost all of us. This is the day we are supposed to report to the beloved Internal Revenue Service (and usually our state revenue departments) and find out...
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I Am Behind On Child Support – Can I File For Bankruptcy To Stay Out Of Jail?
Falling behind on child support payments is a bad situation for everyone. Not only are their serious legal issues involved, there are often very strong emotions in play. In Georgia and probably all...
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Who Gets Life Insurance Proceeds If The Insured Files For Bankruptcy?
If a person files for Bankruptcy, and during the case or shortly after the case closed that person passes away, who gets the life insurance proceeds? Is it the beneficiaries on the policy, or does the...
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Foreclosures in Georgia: The Starting Point
In Georgia, the first Tuesday of every month is “Foreclosure Day.” It is the one day a month when home lenders are able to foreclose on homes and other real estate, assuming they have met the other...
View ArticleCan Same-Sex Couples File A Joint Bankruptcy Case?
Short, easy answer – yes, same-sex married couples can file a joint Bankruptcy case and it is not even a disputed issue now. Bankruptcy law says a joint case can be filed “by an individual that may be...
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