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I have recently started accepting new clients who need to file in the Middle District of Georgia.  If you are struggling with your debts and live in or near Albany, Athens, Columbus, Macon, or Valdosta, give me a call for a free consultation!

If you have a foreclosure scheduled for Tuesday Jan 3, it is NOT too late to stop it. Upon the filing of a bankruptcy case, all of your property is immediately protected and all actions against you and your property are halted. If you're facing foreclosure on Jan 3rd, call or text me at 404-480-2...

With inflation rapidly climbing, it's not surprising that many people are unable to stay current with their bills.  This is especially true of "subprime" borrowers, who tend to finance at higher interest rates than folks with better credit scores.  Since the beginning of 2022, default rates on ca...

Deciding to take control of your debt is a huge first step and hiring the right attorney for you is just as important. During your consultation you should be ready to provide some basic details: your monthly income, whether you're aware of any pending lawsuits against you, if your mortgage lende...

We looked at this in a post last month but let's talk about how a 13 1) stops an upcoming foreclosure sale, 2) prevents the bank from foreclosing while you repay the arrears, and 3) requires the homeowner to meet certain obligations in order to keep the home under the bankruptcy protection. When...

As we know, living and working in the Metro Atlanta area is virtually impossible without having your own vehicle.  Public transportation is limited, most housing options aren't within walking distance to everyday destinations, and ride-sharing services are often cost-prohibitive.  In short, havin...

If you've been told over the past 6 months that either 1) you make too much money to qualify for a Chapter 7 or 2) your disposable monthly income, according to the court's formula, would result in a monthly Chapter 13 payment that is not workable for you, there might be good news coming next week...

A common misconception is that most bankruptcy filings are due to financial mismanagement of some sort; a person overextends themselves on credit or somehow chooses not to pay their debts in a timely manner.  That's just not true: recent studies have shown that almost 2 out of every 3 personal ba...

Can I save my home from a foreclosure sale?

No - you will not lose any and all property you have due to a bankruptcy filing.  But depending on the type and value of your property, you might have to make some difficult decisions in terms of what you absolutely want to protect and what you can relinquish in exchange for getting a fresh start...

Most people considering bankruptcy have the option to file under Chapter 7 or Chapter 13 and an experienced attorney can help them choose the type of filing that best suits their needs and matches their priorities.  Everyone's situation is unique, but generally Chapter 7 is best for someone looki...

Many current or former small business owners had to sign personal guarantees for debts associated with their business or even to pledge some of their personal property as collateral for those debts. Whether a business is currently operating or not, the owner can face severe consequences if unable...

Not all Chapter 7 filings are subject to the same rules and regulations when looking at income; further, diligent planning with respect to someone's assets can help protect their most treasured items from liquidation.  Understanding how to proceed in these situations requires thoughtful preparati...

Much like an unanticipated garnishment hitting your paycheck, discovering that a judgment creditor has successfully gone after your checking account can be devastating.  Depending on whether you have cash on hand or bank with other institutions, you might be unable to pay bills, shop for grocerie...

This can be a stressful situation: you've gone through the process of starting a bankruptcy but something happened that prevented the case from being successful (missing multiple Chapter 13 payments, missing multiple Chapter 7 court appearances).  Now your creditors are calling again, your car is...

If you're facing a garnishment from your student loans you may have read about how bankruptcy can only discharge student loans in very rare circumstances. But that doesn't mean that bankruptcy cannot help manage the rest of your debt while also stopping the garnishment for the duration of the cas...

Over the years I've had many clients who inherited real estate, either alone or as co-owners with their siblings. Unfortunately, mom or dad weren't able to keep up with mortgage payments or yearly tax assessments in the end and now the property is up for foreclosure or a sheriff's tax sale.  Whil...

If you participated in a mortgage forbearance due to COVID-19 hardships, or other payment deferral plan offered by your mortgage company, and are unclear about how you will repay those missed payments, contact me. Many, but not all, of these programs allow for missed payments to be put on the bac...

I get this question from nearly everyone I meet who is considering whether bankruptcy is right for them.  And IT IS an important question.  But we should first ask a bigger question: can I pay off all of my debt in a reasonable period of time on my own?  Credit scores are important, but if you're...

If it feels like you're constantly robbing Peter to pay Paul, call me.  A healthy budget should not make you feel like you're juggling 10 balls at once and consistently in danger of one slip-up bringing everything crashing down on you.  I've represented many people over the past decade who were i...