Ch 7

Credit Counseling Must Be Completed Before You File Bankruptcy

You must take a credit counseling class before you file any Chapter 13 or a Chapter 7 bankruptcy. If any person files a Chapter 13 or Chapter 7 bankruptcy without having first completed a United States Trustee certified Credit Counseling Class, the case will be subject to dismissal.  It is absolutely imperative that the class …

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Foreclosures in Northwest Georgia Drop Twenty Five Percent this Month

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 …

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Should I Tell My Bankruptcy Attorney Everything?

You should tell your bankruptcy attorney every detail of your financial situation before any Chapter 13 or Chapter 7 is filed. Everything you tell your attorney is protected by the attorney client privilege. Don’t try to hide anything from your attorney! Your attorney is on your side. It is always in your best interest to …

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Filing Bankruptcy- You Must Know the Value of Your House

The purpose of this blog is to give you a rough idea about why you must know the value of your house before you even think about filing bankruptcy in Georgia.  Under Georgia Law, a single person can exempt a maximum of $10,600 of equity in their house when they are filing either Chapter 13 …

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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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