Recent Blog Posts

Factors to Consider for Filing Chapter 7 Bankruptcy

As you consider filing bankruptcy, you must account for the type and amount of debt you have and for which type of bankruptcy to file in order to best resolve your financial crisis.  Chapter 7 is the most frequently filed for and fastest type of consumer bankruptcy.  Known as “liquidation” bankruptcy, Chapter 7 allows you… Read More »

The Foreclosure Process in Georgia

Georgia is among a few states with the shortest foreclosure timeline.  The average foreclosure process from the issuance of the Notice of Default can take as little as 60 days in Georgia, whereas the national average is closer to four months.  The reason our timeline is so short is because the foreclosure process in Georgia… Read More »

When Should I Consider Modifying My Mortgage?

Many people who have fallen behind on their mortgage payments may ask themselves, “Should I modify my mortgage?”  Try considering several factors to decide whether loan modification is right for your situation. First, understand that a loan modification is a new agreement with your mortgage provider that alters the original terms of your mortgage loan…. Read More »

Why You Should Consider Debt Reaffirmation

Once you file for Chapter 7 bankruptcy in Atlanta, your focus is usually on protecting your assets by hoping that the majority, if not all, of your possessions will be marked exempt from liquidation. Because of Georgia’s liberal exemption laws, our clients often have very minimal property losses, if any at all, but it is… Read More »

How Can I Stop Wage Garnishments?

A wage garnishment is a court order given to your employer that requires him or her to withhold a portion of your paycheck to give directly to your creditor. While states have the ability to place limits on how much income may be garnished, Georgia follows federal law in this area.  If you are having… Read More »