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The reason the credit card scam letter you received in the mail sounds too good to be true is because it is too good to be true. The letter falsely states that is is a “Balance Reduction Notification.” The truth is there is no government funded program that will pay for your credit card debt. […]
Getting divorced during a bankruptcy presents major ethical considerations for your Georgia bankruptcy attorney when a husband and wife file a case together (See Georgia Model Rules of Professional Conduct). In an individual case, your Georgia bankruptcy attorney may simply need to file amendment reflecting the loss income of the spouse and a new expense […]
Some of the harsh results of the bankruptcy means test might be reduced by the recent Supreme Court decision in Jan Hamilton, Trustee vs. Stephanie Kay Lanning. In this case, the Supreme Court has held that bankruptcy judges don’t have to apply a “mechanical approach” to means testing in Chapter 13 bankruptcy cases. Bankruptcy judges […]
In emergency situations, it does not take long to get your bankruptcy case filed. If I have room in my schedule, I can get your Georgia bankruptcy case filed the same day you come into my Rome Office. However, if you have an emergency filing, you need to plan on spending the entire day in […]
Reaffirmation Agreement In a Chapter 7 bankruptcy, a reaffirmation agreement is basically a contract between you and your creditor, Â that states that you agree to to treat that specific debt as if you have never filed bankruptcy. If you sign a reaffirmation agreement and then fail to pay that creditor, they can sue you and […]
Anyone who owns a life estate can file bankruptcy. However, there is a risk of losing the ownership of the life estate when you file Chapter 7 if the life estate is worth more than you are allowed to exempt in Georgia. In contrast, you may be able to protect the life estate in a […]
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