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Can you freeze your credit while in an active Chapter 13 Bankruptcy?

Data breach level to maximum modern conceptual meter, isolated on white background. Yes, you can freeze your credit while you are in an active Chapter 13 bankruptcy. There is nothing in the bankruptcy code that would prohibit freezing your own credit. This past week, we have received many calls from concerned clients asking this question

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Credit Card Debt – Can I Be Held Liable for My Husband’s Credit Cards in Georgia?

In Georgia, a wife cannot be held liable for a husband’s credit cards if she has never signed a contract with the credit card company. This question usually comes up after the husband dies and the wife finds out that the credit cards were never paid. When the bill collectors start calling, people usually panic. It

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Debt Management Company Scare Tactics About Bankruptcy

I recently spoke with a client who was the victim of Debt Management Company Scare Tactics.  After I met with this client and confirmed that the qualifies for Chapter 7, he went home and called his Debt Management Company and asked that they stop deducting money from his checking account because he was filing bankruptcy. 

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Second Mortgage On My House To Pay Off My Credit Cards?

Taking a second mortgage out on your house to pay off credit card debt is a bad idea in most cases. In the event you need to file bankruptcy, credit card debt can be wiped out if necessary.  Even in a Chapter 13 plan where you are paying back all of your debt, the interest rate

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Borrow Against My 401K To Pay Off My Credit Card Debt or Medical Debt?

Borrowing against your 401k is a terrible idea.  With Georgia Bankruptcy Exemptions, your 401k most likely will be 100 percent protected from your creditors. One of the most common mistakes I see people make is that they will borrow against their 401K to pay off credit card debt or medical debt.  Within a short period of time, they realize

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