Georgia Bankruptcy

Filing Bankruptcy After a Default Judgment in Georgia?

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.  …

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Quit making my house payments to get a loan modification?

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 …

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When Will My House be Foreclosed on in Georgia?

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 …

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Bankruptcy – What do I need to bring to my 341 Meeting of Creditors?

For both Chapter 7 and Chapter 13 bankruptcy, you should bring to your 341 Meeting of Creditors: 1.  your driver’s license: 2.  your social security card: 3.  Proof of your car insurance: 4.  Proof of your house insurance and: 5.  Proof of your post-petition mortgage payments. If you can’t find your social security card, bring …

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After Foreclosure in Georgia, When Will the Second Mortgage Holder Sue?

In Georgia, if you file Chapter 13 bankruptcy or Chapter 7 bankruptcy, the answer is never.  Creditors can’t sue you in a Chapter 13 and a second mortgage holder can be wiped out in a Chapter 7 and a Chapter 13 if you are surrendering the house.  In bankruptcy, the automatic stay protects you from …

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