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 moreFEDERAL GOVERNMENT ENACTS NEW PROTECTION FOR DISTRESSED HOMEOWNERS
Beginning October 1, 2012, there will be new protection for homeowners who are facing foreclosure. The change reflects an ongoing problem which has greatly affected Georgia homeowners, and prevented many of them from being able...
Read moreBeware of mortgage loan modification scams!
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Read moreCOMMONS REASONS WHY YOU MAY HAVE RECEIVED A BANKRUPTCY NOTICE
When a bankruptcy case is filed, the Clerk of Bankruptcy Court mails a notice of commencement to the Debtor (bankrupt), the Debtor’s attorney, the creditors of the Debtor, as well as other “parties in interest”. With the proliferation of...
Read moreWhite House Urges Congress to Address Treatment of Student Loan Debt in Bankruptcy
Acknowledging concerns by the public about the growing amount of student loan debt, the White House is urging Congress to reconsider the treatment of student loan debt in bankruptcy cases. To understand the importance of this...
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...
Read moreWhen Should You Consider Filing for Bankruptcy?
This is a common question that I am asked, sometimes by potential clients, but more often by friends and family of individuals who are in financial trouble, but don’t know at what point it is appropriate to make the recommendation to meet with a...
Read moreHaving children: good for the family, bad for the pocketbook
I have often joked about how my father presented me with a bill for $250,000 immediately after my college graduation. He explained that it represented the cost of feeding, clothing, raising and educating me through college. Unfortunately for...
Read morePhone collection scam. Don’t be a victim
While other blogs have addressed collection law and lottery scams, there is a new scam which falls somewhere in the middle of the two. Consumers will receive phone calls from individuals claiming to be with non-existent government agencies...
Read moreDo’s and Don’t’s in Dealing with a Collection Agency
Even the most vigilant, conscientious consumers may have to deal with a collection agency at some point. It could be because a bill was overlooked at some point. It may be because the consumer disputed the debt, and refused to pay the original...
Read moreDO I NEED AN ATTORNEY TO FILE A BANKRUPTCY?
DO I NEED AN ATTORNEY TO FILE A BANKRUPTCY? This is a common question that is asked by potential clients. The short answer is “no”. Bankruptcy law does not require that a debtor have an attorney in order to file a bankruptcy case. However, the...
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