Ch 13

Chapter 13 Bankruptcy and Stripping Your Second Mortgage – Bad Idea?

January 31, 2012

The word is starting to get out in Northwest Georgia that you can eliminate your second mortgage in a Chapter 13 bankruptcy.  I recently met with a potential client who came to see me because he was told by a coworker that he might be able to get rid of his second mortgage. Many consumers [...]

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Chapter 13 Bankruptcy – Is It Worth The Trouble?

January 24, 2012

Potential Chapter 13 bankruptcy clients frequently tell me about some horror story about a friend who filed Chapter 13 and everything went wrong. For many people, Chapter 13 is a great tool for financial restructuring.  For others, it is not the right solution.  Some people need to file Chapter 7 instead.  In this article, I [...]

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Bankruptcy And The Problem With Receiving Christmas Gifts

November 22, 2011

I know this sounds really strange but  a bankruptcy case can get really messed up sometimes because of Christmas gifts. I absolutely love Christmas and I don’t like the Grinch but it is my job to tell you truth about how Christmas can really wreck a case. Let me give you an example. Let’s say [...]

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Will Chapter 13 Bankruptcy Help Me Get My Car Back in Georgia?

August 30, 2011

If your car was repossessed within 10 days of the filing of your case, Chapter 13 bankruptcy may help you get your back. Many Georgia consumers depend on their car to get them back and forth to work.  Public transportation for all intents and purposes does not exist for 99 percent of the people who [...]

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Can Chapter 13 Protect the Car From Repossession If I Just Bought It?

August 16, 2011

As a general rule, Chapter 13 bankruptcy protects you from repossession of your car.  However, what happens if you just bought the car right before filing bankruptcy?  The answer to this question in Northwest Georgia is that it depends on the facts of your case. For example, let’s say you bought a car six months [...]

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Georgia Bankruptcy Attorney on Financed Cars in Chapter 13

August 9, 2011

When you file Chapter 13 bankruptcy in Northwest Georgia, your financed car will be paid through the plan.  For many debtors, this can drastically lower your monthly bills.  Many bankruptcy clients have difficulty understanding that their car payment is included in the Chapter 13 plan.  As a Northwest Georgia bankruptcy attorney, I love it when [...]

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Chapter 13 Bankruptcy – 7 Ways Your Life Will Improve After Filing

July 12, 2011

Some people believe that a Chapter 13 bankruptcy will be a miserable experience.  The truth is that for most people, it’s a huge relief because it ends the pressure from your creditors.  Below, I’ve listed the top seven ways your life will improve after you file Chapter 13 bankruptcy. 1.  The phone calls from creditors [...]

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