As 2018 draws to a close, and 2019 begins in the midst of economic and political turmoil, now is a good time to address our financial environment, and disclose recent developments/trends which are now manifesting themselves in Bankruptcy Court...
Read moreBankruptcy Internet services – avoid at all cost!
Recent observations by our firm of cases in the Augusta Division Bankruptcy Court, as well as information obtained from across the nation, have revealed increase in consumers who access the bankruptcy courts by way of Internet bankruptcy...
Read morePro Se Bankruptcy Filings Increase in the Southern District of Georgia
Since the beginning of 2018, our firm has noticed a significant increase in the number of pro se bankruptcy cases. Unfortunately, many of these cases are dismissed within the first 60 days for failure to adhere to the filing requirements imposed...
Read moreThe Price to be Paid for Obtaining Your “Free” Credit Score
Ads abound on television and the Internet offering to provide consumers with their free credit score. These ads lead consumers to believe that the failure to monitor their credit score is negligent, and could result in the denial of credit in the...
Read morePre-filing indications that your Chapter 13 case will not be successful
The Southern District of Georgia, which includes Richmond, Columbia and Burke County among others, usually ranks near the top of the other federal districts in the percentage of Chapter 13 cases which are filed. There are certain circumstances in...
Read moreTIS THE SEASON TO BE WARY OF OUTSTANDING JUDGMENTS
Consumers are routinely recommended to check their credit, and not just to evaluate their scores. The information that is listed on your credit report will be the first resource used by a potential lender in evaluating a consumer’s credit. In...
Read moreService of Process in Debt Collection Lawsuits in Georgia
Previous articles on this website have the progression of a debt collection lawsuit from judgment to eventually the attachment of liens to real property, bank account seizures, and wage garnishments. Unfortunately, many consumers fail to protect...
Read moreHEIGHTENED REVIEW OF INCOME TAX RETURNS IN CONSUMER BANKRUPTCY CASES
Since the Bankruptcy Reform of 2005, additional requirements were imposed upon consumer debtors who filed chapter 7 or Chapter 13 bankruptcy. One of those requirements is that debtors must provide their most recent income tax returns to the...
Read moreDebt Management Plan and Debt Settlement Plan
WHAT IS THE DIFFERENCE BETWEEN A DEBT MANAGEMENT PLAN AND A DEBT SETTLEMENT PLAN? title loans orlando This is a question that arises fairly frequently when our firm discusses non-bankruptcy alternatives with prospective clients. The...
Read moreBeware of mortgage loan modification scams!
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Read moreRelief Available for Distressed Homeowners
RELIEF AVAILABLE FOR SOME DISTRESSED HOMEOWNERS UNDER SETTLEMENT EXECUTED WITH UNITED STATES ATTORNEY GENERAL AND UNITED STATES TRUSTEE PROGRAM After years of investigation into abusive mortgage practices of certain lenders by the United States...
Read moreResidential Homestead Exemption
On May 2, 2012, Governor Nathan Deal signed Senate Bill 117, which increased the residential homestead exemption in the State of Georgia from $10,000 to $21,500 for an individual debtor, and from $20,000 to $43,000 for a married debtor. Our...
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