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"Is it too late to stop foreclosure?" No!

Posted by Jonathan Proctor | Dec 31, 2022 | 0 Comments

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...

60+ day delinquencies are on the rise

Posted by Jonathan Proctor | May 20, 2022 | 0 Comments

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...

"What should I ask during a bankruptcy consultation?"

Posted by Jonathan Proctor | Feb 23, 2022 | 0 Comments

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...

Can filing bankruptcy stop a car repossession?

Posted by Jonathan Proctor | Nov 02, 2021 | 0 Comments

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...

"Does filing bankruptcy mean I'll lose all my stuff?"

Posted by Jonathan Proctor | Oct 01, 2021 | 0 Comments

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...

7 vs 13

Posted by Jonathan Proctor | Sep 29, 2021 | 0 Comments

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...

Student loan garnishment

Posted by Jonathan Proctor | Sep 21, 2021 | 0 Comments

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...

Mortgage forbearance issues

Posted by Jonathan Proctor | Sep 21, 2021 | 0 Comments

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...

How will filing bankruptcy affect my credit score?

Posted by Jonathan Proctor | Sep 21, 2021 | 0 Comments

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...

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I am committed to answering your questions about bankruptcy law issues in Alpharetta, Georgia.

I OFFER A FREE CONSULTATION and I'll gladly discuss your case with you at your convenience. Contact me today to schedule an appointment by phone, Zoom, or in person.