E.L. Clark

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Dealing with a Debt Sold to a Collection Agency

When you’ve run into difficult times, it’s not unusual to be unable to pay a bill or have it slip by unnoticed. However, when those debts are sold to a collection agency, you may feel as though you’re in a never-ending battle of letters, increasing fees, telephone calls and similar stressful situations. However, there are limits to what a collection agency can do to collect a debt. Here are some of those limits, which can help you keep the process sane.

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The Truth About Bankruptcy

Bankruptcy is often confusing and emotionally scary, for it’s a detailed legal process and most people don’t fully know what the outcome of the process will be. Because bankruptcy is legally defined, however, going through a bankruptcy is manageable if you have someone on your side who’s familiar with the process.

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What Are Your Rights in a Chapter 13 Bankruptcy?

Going through a Chapter 13 bankruptcy can be an overwhelming process, and it’s very easy to get bogged down in legal and financial terminology. However, you do have rights as you go through the process in the Georgia court system.

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Filing for Chapter 7 Bankruptcy Before, During, or After a Divorce

If you are ready to file for a divorce because of a marriage under considerable financial strain, it’s time to look at your options. In a divorce in Georgia, marital assets and debts are divided in a way that is deemed fair or equitable. For the spouse that has a much lower income, this can mean responsibility for fewer marital debts and receiving more of the assets.

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Georgia Bankruptcy Laws

If you’re overwhelmed with debt, you may want to consider bankruptcy. This is the legal process of discharging your debts, and bankruptcy attorneys can help with the process. Here’s what you need to know about Georgia’s bankruptcy laws.

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Life After Bankruptcy

After filing for Chapter 7 or Chapter 13 bankruptcy, you may be wondering what to expect. Going through bankruptcy can be a very traumatic and emotionally exhausting experience. After you return home and the whole experience sinks in, you’ll start to look forward and wonder what comes next.

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Can You Buy a Car After Chapter 13 Bankruptcy?

There are times when filing for bankruptcy may be the only realistic option available. Our bankruptcy experts can help you go through the process of filing for chapter 13 bankruptcy. A history of bankruptcy does not need to get in the way of making large purchases at a future time. Our experts can help you understand when you may begin purchasing cars and more after going through chapter 13 bankruptcy.

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Chapter 7 Bankruptcy Timeline: How Long Does Filing Chapter 7 Take?

Chapter 7 bankruptcy can take six months to complete after the initial filing is made, and sometimes certain delays cause the process to last even longer. In the vast majority of cases that are properly handled, though, the process lasts about three months. After this time, the case may be completed and you’ll be free to start rebuilding your credit. Here’s an overview of the process.

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Bankruptcy Attorneys Help You in Time of Need

If you’ve been suffering from financial hardship due to overwhelming debt, filing for bankruptcy may be the best solution. If you do make the decision to file for chapter 7 or chapter 13 bankruptcy, consult with the bankruptcy experts at Clark & Washington. Filing bankruptcy can be a hard and scary time. An expert firm like Clark and Washington can help guide you through this financial instability.

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Chapter 7 and Chapter 13 Bankruptcy Projections for 2019

From 2006 through 2017, Georgia saw some of the highest rates of non-business Chapter 7 and Chapter 13 bankruptcy filings in the nation. During this period, there were 104,160 total bankruptcy filings: 81,285 Chapter 13 bankruptcy filings and 22,875 Chapter 7 bankruptcy filings. Georgia has remained one of the top states for bankruptcy in the country, even as individual filings have gone into decline. But will bankruptcy remain strong in Georgia moving into 2019?

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Questions You May Ask About Filing Chapter 7 Bankruptcy in GA

If you’re thinking about filing for bankruptcy here in Georgia, you probably have your fair share of questions. For starters, you may be wondering whether Chapter 7 or Chapter 13 bankruptcy is best for you.

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Chapter 7 Bankruptcy: What You Need to Know

If you’re struggling with insurmountable debt, then you may be considering the option of filing for bankruptcy. When it comes to bankruptcy, however, there are two main types to consider: Chapter 7 and Chapter 13. Both have their potential advantages and drawbacks, and which option is best for you can vary greatly based on your financial situation.

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Important Keys to Rebuilding Your Life After Chapter 7 Bankruptcy in Georgia

Chapter 7 Bankruptcy is the form of bankruptcy that is often referred to as a fresh-start bankruptcy because it eliminates most non-secured debt by liquidating excess assets in order to pay off creditors as you can afford to.

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The Role of a Chapter 13 Attorney in a Successful Bankruptcy

At Clark & Washington Attorneys at Law in Atlanta, GA, we understand that the decision to file is not always an easy one, and the process can be even more difficult. Missing pieces can mean failure, but we are committed to keeping you on the right track.

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Divorce, Debt Division, and Filing for Bankruptcy

If you are going to file for a divorce and your finances are in shambles, you might already be thinking about bankruptcy in order to stabilize your financial future.

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Georgia Remains in Top 3 States for Bankruptcy Filings

Curious about whether you can benefit from a chapter 7 attorney? Read on to determine your level of need, and commit to getting yourself the most professional expertise you can before moving forward with this big step.

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What Happens When A Co-Signer Files Chapter 7 Bankruptcy?

Filing for bankruptcy is sometimes the best path to realizing a clearer financial future. However, if you are the co-signer on any debts with someone who ends up filing for Chapter 7 bankruptcy, your own financial security may be threatened. Understanding your responsibilities when a co-signer files Chapter 7 bankruptcy is crucial to avoiding being encumbered with an unexpected debt.

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Metro Atlanta Ranks Among Highest Bankruptcy Filings in United States

If you live in the Atlanta metro area and are struggling financially, perhaps you have recently considered the option of filing for Chapter 7 or Chapter 13 bankruptcy. If you have questions about filing for bankruptcy, contact our experienced attorneys for answers.

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Understanding Chapter 7 Bankruptcy in Georgia

If you are considering filing for bankruptcy in Georgia, you need to know how much of your property you can protect through exemptions.

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Steps to Take When Filing For Bankruptcy

It can be difficult to come to terms with the fact that you need to file for bankruptcy. Once you have made the decision, however, you will need to be aware of the steps you’ll need to take. Knowing these steps can greatly benefit you and help you stay organized in the process.

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