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 […]
Borrow Against My 401K To Pay Off My Credit Card Debt or Medical Debt? Read More »
Top Ten Myths about Bankruptcy
Top 10 Myths About Georgia Bankruptcy Read More »
The answer to this question depends on your situation. We can file a motion to avoid the judicial lien shortly after we file your case. The main issue is how much property do you own? I want to go over every single asset you own and make sure that they are protected by Georgia exemptions.
Filing Bankruptcy After a Default Judgment in Georgia? Read More »
If you miss a few mortgage payments while you are in Chapter 13 in the Northern District of Georgia, the attorneys for the mortgage company will file a Motion for Relief against you. They will charge you approximately $800 for filing this motion. Generally, we can work out a deal with them to put their
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In my opinion, this is a bad idea. If you are able to make your mortgage payments, do so. I recently spoke with a person who quit making mortgage payments so that his mortgage company would consider him for a loan modification. They filled out all the papers as requested by the bank for the
Quit making my house payments to get a loan modification? Read More »
The answer to “when will the house be foreclosed on in Georgia” is that it depends on your mortgage company. Some companies move really fast. Other take up a year before they get around to finally conducting the foreclosure sale in Georgia. Here is what the mortgage company must do in Georgia to foreclose on
When Will My House be Foreclosed on in Georgia? Read More »
If you have fallen behind on your mortgage payments, Chapter 13 can save your house. Here is how it works. We take all of the past due mortgage payments and put them into your Chapter 13 plan. Most Chapter 13 plans run for three to five years. If we need to, we can wipe out
What can I do to save my home? Read More »
The answer to this question is maybe. If you have a foreclosure scheduled against you, you should file Chapter 13 to stop the foreclosure and save your home. I have had so many clients where someone from the mortgage company called and told the homeowner that they would try to work something out to stop
The Mortgage Company Says They Will Work With Me Read More »
If someone tells you to pay them money so that they can “renegotiate your loan,” don’t do it! There are so many scams. Take advantage of a free consultation with an attorney and let a bankruptcy attorney review any offers you are considering. If you want a loan modification, you can speak to your mortgage
Watch Out for Foreclosure Scams! Read More »
Yes. If you file Chapter 13 and are able to continue to make regular monthly mortgage payments, your house cannot be foreclosed on while you are in Chapter 13. The important question is, “Can you afford your future payments?” If so, Chapter 13 is a great option for you. Any past due payments on your
Can I keep my house if I file Chapter 13? Read More »