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The Foreclosure Process in Georgia

I’ve taken the liberty of outlining the foreclosure process in Georgia to help any potential clients make the right decision in seeking legal advice before its too late.   If you are facing a potential home foreclosure, you will receive a series of letters in...

Be Careful of Transferring Your House to a Trust

This is a little bit more advanced than the usual topic, but I had a client come in who put her personal residence in a qualified personal residence trust.  Unfortunately, she got behind on her second mortgage, and the house had a moderate amount of equity in it;...

What’s the Difference Between Chapter 7 and Chapter 13

Chapter 7 and Chapter 13 of the bankruptcy code have given millions of people the financial freedom they needed to get on with their lives without a crushing debt load. There seems to be a lot of confusion regarding which chapter is right for who, so I’ve...

Why Owing More May Help You In Bankruptcy

This may seem counter-intuitive, but owing more on your home mortgage can actually be a godsend in wither a Chapter 7 or Chapter 13 bankruptcy.  In a Chapter 7 bankruptcy, the Chapter 7 trustee is an individual appointed by the U.S. Trustee to administer your case....

Can I Keep My Credit Card in a Chapter 13?

The answer is no. As an Atlanta bankruptcy lawyer, I am routinely asked this question and am consistently met with shock and dismay.  I’m sorry, but part of the deal of repaying only a portion of your debts over time at no interest is that the courts and the...

What If My Income Goes Down During My Chapter 13 Case?

A common misconception about filing Chapter 13 in Atlanta is that once your Plan is confirmed by the court, you are permanently locked into that monthly payment for the entire duration of your 3-5 year Plan. A Chapter 13 Plan will run from 3 to 5 years, depending on...