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Making the decision to get off the fence can be difficult.  Honestly, most of my bankruptcy clients stay on the fence until the last possible second. How can you know when it is time to file bankruptcy? I hope this article will answer this question for you. If you are thinking about getting out of

Many people like to refer to Chapter 13 as the “catch your breath provision” of the bankruptcy code.  When creditors are coming down on you all at once demanding full payment today, Chapter 13 allows you step back, catch breath, and pay them back over a reasonable period of time. In contrast to Chapter 13,

Typically, a collection lawsuit gives 30 days for the defendant to file a response with the court.  In Georgia, when a collection lawsuit is filed against you, someone from the local sheriff’s office will drive out to your house and personally serve you or whoever answers the door. A response to a collection lawsuit is

Chapter 13 is a great tool for getting out of financial hell. It stops foreclosures, repossessions, garnishments and best of all…..those pesky creditor phone calls. Many people like to refer to Chapter 13 as the “catch your breath provision” of the bankruptcy code. In contrast to Chapter 13, Chapter 7 enables you to eliminate all