E.L. Clark

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Who Can View My Bankruptcy Record?

If you are thinking about filing bankruptcy, you might be wondering who will be able to view the details of your filing. Filing a bankruptcy is a public record, and the creditor’s hearing is open to the public. So what exactly does the bankruptcy being a matter of public record mean for you?

Ways in Which the Public Can View Your Bankruptcy

Because your bankruptcy is a public record, it is not sealed and can be viewed by anyone with the means to do so. The following ways are just a few instances in which your bankruptcy can be discovered:bankruptcy petition

PACER

Everyone who files a bankruptcy is entered into a national government database called Public Access to Court Electronic Records (PACER). Anyone who makes an account on PACER can view the details of your bankruptcy. Because it costs eight cents per page to do so though, typically only attorneys and creditors access PACER.

Local Newspaper

Many local newspapers print a section entitled, “Public Notices” or something to that effect. It is in this section — along with other public information such as criminal proceedings, weddings and births — that information about your bankruptcy proceedings might appear. You can contact your local newspaper to inquire about their policy concerning the printing of bankruptcy proceedings.

Local Television Station

Some towns have a local television station that broadcasts public meetings and other events that are open to the public. If your town has one, it’s possible that they might announce public records including your bankruptcy.

Your Mail

It’s likely that you’ll receive mail from both your bankruptcy attorney and the bankruptcy court itself. This means that not only will your mail carrier see it, but your neighbors might also become aware of your bankruptcy if they accidentally receive your mail.

Contact Bankruptcy Attorneys

At Clark & Washington, we’re experienced bankruptcy attorneys who understand the complexities that such a filing can bring to your life. As Georgia’s largest bankruptcy filer, we have the experience and knowledge to help you navigate this process. Contact us today for a free, friendly and no obligation consultation.

Understanding Tax Liens and Bankruptcy

Most people choose Chapter 7 in the first place because they are overwhelmed financially – and this situation can include tax liens. It is important to understand how liens work when it comes to bankruptcy, so you can make the best possible decision for yourself and your family.

What are Tax Liens?

A lien is a claim to a specific piece of property; when you have a mortgage for your home, it functions as a lien on the property. If you do not pay, the home can be sold to allow the lender to recoup their costs. A lien functions in the same way; if you have a Federal or State tax lien, then the entity you are beholden to is the IRS or your state.tax lien on home

A Stay Via Bankruptcy

When you file for bankruptcy, it triggers an automatic stay which prevents collection activities and gives you some breathing room. If you do not have a lien yet, then the IRS can’t place one upon you once you are in bankruptcy – a tax lien filed before bankruptcy, though will still be in place even if you file.

Tax Liens During Bankruptcy

If you already have a lien in place, then it can be paid during the process. Depending on your particular situation, your lien could be paid in part or in full during this process. In many cases there are no assets to be used in a chapter 7 case, so there is nothing available for payment. When this happens, you’d still have the lien after your bankruptcy concludes.

Get Help with Tax Liens and Bankruptcy

The best way to determine what to do if you have a lien against your home or other property is to speak with an attorney. Your situation is unique, and you can only figure out the best path to financial freedom by taking your current debts, assets and if you have them, liens, into consideration. Contact us to talk about your specific case and needs; our bankruptcy lawyers are here to help you get a fresh start and get out from under your financial woes.

What Do I Do If I Cannot Afford To File Bankruptcy?

If you’re a resident of Georgia considering filing for bankruptcy, you’re not alone. Each year thousands of people in the state go through the process. The district that includes the city of Atlanta has one of the highest rates of bankruptcy in the nation, with about half the filings being for Chapter 7.

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What Should I Do Before I File for Bankruptcy?

Before you file for bankruptcy, there are several things you should be doing. Bankruptcy can solve many debt problems, but it’s a serious decision that deserves adequate time and attention. For more information about bankruptcy, contact Clark and Washington.

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What Do I Need to Know About Refiling Bankruptcy in Georgia

When it comes to the number of times you’re allowed to refile bankruptcy in Georgia, there are no restrictions unless the court order states one. However, if your debts were dismissed in a previous bankruptcy, you must wait a specific amount of time before you can file again.

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What Happens When I File Chapter 7 While in Foreclosure

If you’re facing foreclosure, filing Chapter 7 bankruptcy may be an option you are considering to help your situation. Depending on your circumstances, a Chapter 7 filing may indeed be the relief you’re looking for.

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Chapter 7 Bankruptcy Issues to Consider

If you are seriously considering filing for Chapter 7 bankruptcy, it stands to reason that your financial situation is dire. The main reason that people would file for Chapter 7 without hiring an attorney is to avoid the attorney’s fees.

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Get Control of Your Finances: Decrease Your Holiday Stress

If you are struggling financially this holiday season, you are not alone. Many people living in Atlanta and the surrounding area are wondering what to do about the growing mountain of debt they are facing. If your debt is out of control and you aren’t sure what to do, bankruptcy may be an option.

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Bankruptcy Statistics Among Residents of Georgia

At Clark & Washington, we understand that there may come a time when you can no longer pay your bills and you need to find a way out. If you are trying to make the minimum payments on your credit cards and you continue to get behind on your bills, it’s time to consider filing for bankruptcy.

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Your Pension in Bankruptcy

If you are considering filing for bankruptcy and you currently have a pension in place, it is only natural to wonder if your pension will be safe. Currently, there is broad protection for pensions under the law.

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Types of Creditor Claims in Bankruptcy: Secured, Unsecured & Priority

There are many different kinds of debts, and when it comes to bankruptcy, they are not all treated the same.

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Will I lose My Home If I File for Bankruptcy?

Filing bankruptcy does not mean you will automatically lose your home. In fact, the automatic stay provided when you file for bankruptcy could prevent your home from going into foreclosure.  Click here to read more »

Hiding Assets in a Bankruptcy Can Cost You

If you are considering filing for bankruptcy or already have, you want to do everything in your power to follow the law.
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Top Reasons People Go Bankrupt

Bankruptcy is a scary word, and it can happen both over time or very fast. The causes of bankruptcy can vary from person to person but they usually revolve around the same things.  Click here to read more »

The Number One Cause of Bankruptcy: Medical Expenses

Medical expenses are rapidly increasing in the United States. With higher deductibles that are coming with insurance policies and Americans who are still without insurance, people are paying more out of their own pocket for health care than ever before.

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Which Debts Will Be Discharged In Chapter 7 Bankruptcy?

One component of bankruptcy that many people get confused about is what can and cannot be discharged from their debts. The common misconception is that all debt is discharged and this is simply not the case. The types of debt that can be discharged have a lot to do with the type of bankruptcy. Chapter 7 bankruptcy is the type of bankruptcy that has to do with discharging debts instead of simply paying them down. Before you file Chapter 7 Atlanta, you need to know if your debts are able to be removed from your record.

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Life After Bankruptcy: 7 Steps To Rebuilding Your Credit

Once you have filed for bankruptcy and your case has been closed, you may find yourself relieved but also scared about what comes next. Now that you have removed debt, you are still stuck with a bankruptcy on your credit and your credit score has likely gone down. It takes time to rebuild your credit but that doesn’t mean it will happen on its own. There are things you will need to do after your Atlanta bankruptcy so start rebuilding credit. Use these 7 steps to help get your credit back on track.

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Reasons You May be Looking to File Bankruptcy

Many people are scared of the word “bankruptcy” but it can actually be something that can change your entire life around. There are many different reasons that people choose to file for bankruptcy and it is not something to be ashamed of. These are some of the most common reasons people choose to file for bankruptcy that we have come across.

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What You May Not know about Chapter 7 Bankruptcy

Bankruptcy all by itself can be complicated and confusing. However, there are two different kinds of bankruptcies and many people can easily confuse the two. At the same time, many people do not fully understand the process because of myths and misconceptions. Chapter 7 Bankruptcy can definitely help you get the fresh start you are dreaming of but if you want to best possible outcome, then you need to know some of the basics as well as little known facts about it. Here are just a few facts about Chapter 7 bankruptcy you may not yet know.

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5 Signs You Aren’t Managing Your Money Well

Losing your finances usually occurs over time, and that’s why it is useful to take a good look at your finances every month. When you are beginning to feel stressed every month trying to pay your bills, there are usually explanations for your lack of money at the end of the month. Here are 5 signs that indicate you are losing control of your finances.
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