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 […]
Credit Card Debt – Can I Be Held Liable for My Husband’s Credit Cards in Georgia? Read More »
You can eliminate a second mortgage in a Chapter 13. You need to get an appraisal on your property before you file the case. Your property must be worth less than what you owe on the first mortgage in order to eliminate the second mortgage in your chapter 13.
Can I Wipe Out My Second Mortgage in a Chapter 13 Bankruptcy? Read More »
Any homeowners association fees that have accrued prior to the filing of the Chapter 7 can be wiped out. The problem is when a mortgage company refuses to foreclose on a house after we surrender it in a Chapter 7 bankruptcy. Post-petition homeowners association fees (fees that become due after the Chapter 7 is filed)
Can I Wipe Out Homeowners Assocation Fees in Chapter 7? Read More »
You can refile your Chapter 13. Call me today at 706-295-0030 for your free consultation.
Georgia Bankruptcy – Can I Refile My Chapter 13 After a Motion to Dismiss Read More »
I recently spoke with a client in my Rome GA office who surrendered their house in Chapter 13 bankruptcy last year. About six months into their Chapter 13 bankruptcy, they converted to a Chapter 7 bankruptcy. This past week, they received a 1099A from their mortgage company showing that the debt was forgiven and suggested
Bankruptcy and the Taxation of My House by By The IRS After Foreclosure in Georgia Read More »
The best way to protect your assets in either a Chapter 13 or a Chapter 7 is to tell your attorney everything you own before you file the case. When your bankruptcy attorney has a complete list of all of your assets, he will be able to match your assets to state exemptions to ensure
How Do I Protect My Assets in a Chapter 13 or a Chapter 7? Read More »
I was so disappointed this past week to learn about a new scam that will cost my Chapter 13 client money they cannot afford to lose. I have some clients who received a solicitation in the mail from a company in Florida that “guarantees” that they get their mortgage payment lowered through a loan modification.
Mortgage Scam Against People Who are In Chapter 13 Read More »
Call me today for your free consultation at 706-295-0030. We have office locations in Dallas, Dalton, Rome, and Cartersville Georgia.
Will Bankruptcy Stop the Foreclosure of My House in Georgia? Read More »
I think anyone who might be interested in keeping their house should explore Chapter 13 as an option before deciding to do a short sale or let the house foreclose. In a Chapter 13, we can take the payments that you are behind on and put them into a payment plan that will work for
Should I File Bankruptcy or Short Sale My House in Georgia? Read More »
As I looked through the number of foreclosure advertisements in various local papers this month, I have noticed a twenty five percent drop from January 2010 to February 2010 in some counties. I don’t know if this is just a local trend or a national trend. The number of foreclosures in January 2010 was unusually
Foreclosures in Northwest Georgia Drop Twenty Five Percent this Month Read More »