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Have you been thinking about filing for Chapter 7 or Chapter 13 bankruptcy but aren’t sure if it’s the right decision for you and your family?
Before making such a large decision as this on your own, numerous factors should be considered. The following is a list of questions to ask yourself before concluding that bankruptcy is right for you.
Once you have met all the qualifications to file for bankruptcy in Georgia and filed the required paperwork, the next step is for a local court to discharge your case. Keep in mind that a bankruptcy discharge and a bankruptcy dismissal are different legal processes. When a bankruptcy judge discharges your case, it means that you no longer have the legal obligation to pay certain types of debts.
Are you suffering under a mountain of debt? Do you wake up in the middle of the night wondering how you are ever going to be able to pay your bills? Are you worried about losing your home? There are many things that can lead to debt that spirals out of control. It could be divorce or losing a job or unexpected medical bills. It could just be the result of many, small, poor purchasing decisions. Whatever the cause, bankruptcy can offer many consumers a new chance to live a debt-free life without the constant, crushing worry about bills and harassment from creditors.
When you have determined that the most prudent route to follow to address intractable financial issues is Chapter 7 or Chapter 13 bankruptcy, your next step is to find a reputable attorney with a deep background in this area of law.
That’s where the team at Clark & Washington, LLC can help. We’ve developed a reputation for being knowledgeable and experienced legal professionals in Georgia with a focus on bankruptcy.
You may be considering filing for bankruptcy in Georgia if your business debts have become insurmountable. If so, the next question you face is whether you should file bankruptcy on behalf of yourself or your business. Our personal bankruptcy attorneys in Atlanta have helped thousands of clients make the best choice for their situation.
Filing for bankruptcy in Georgia is an option if you have more debts than assets and know that you do not have the means to repay creditors according to your agreements with them. However, you must meet certain qualifications for both Chapter 7 and Chapter 13 bankruptcy.
Do you avoid answering phone calls from unknown callers? Do you set aside mail without opening it when the return address is either one you do not recognize or one you do recognize as being from a debt collection company?
Bankruptcy can be a help for families who are struggling with overwhelming credit card, medical or other debt. However, if you are considering filing bankruptcy in Atlanta, Georgia, consider the following to ensure that your bankruptcy case proceeds smoothly and successfully and that you are able to protect and keep all of your property in bankruptcy.
Thanks in part to unemployment benefits efforts and stimulus payments, bankruptcy filings across the nation were down in 2020 compared to 2019.
Vaccination rates are slowly climbing and states are beginning to open up. However, many people are still dealing with the serious financial impacts of COVID-19.
Whether you are considering filing Chapter 7 or chapter 13 bankruptcy, you are bound to have a few questions. At Clark & Washington, we have pulled together a few of the most common questions prospective filers tend to need to be answered.
Even with unemployment benefits, losing your job can make it difficult, if not impossible, to keep up with your bills. As your debts pile up, it often becomes clear that catching up is out of the question. If that’s the case for you, then you’re likely considering bankruptcy.
COVID-19 has brought about financial distress for many consumers throughout the United States. The American Bankruptcy Institute reported that consumer bankruptcies decreased 30% in 2020 from the number of bankruptcies filed in 2019.
As we pass into our second year of the COVID-19 global pandemic, outlooks remain uncertain for thousands of families and individuals. While many people who were laid off due to COVID have now returned to work, there are still roughly 9.5 million fewer jobs now than there was this month a year ago.
Filing for personal bankruptcy is a massive decision. You want to make sure that you choose the option that will work best for your situation. Both Chapter 7 and Chapter 13 offer relief to borrowers who can no longer keep up with the burden of their debt. Each has different rules, benefits, and drawbacks. The implications of which you choose can affect you for years to come, so understanding your options is vital.
When your financial situation has reached a point where filing bankruptcy may be the best option, you will already have plenty on your mind. If you want to make your life even more difficult, try navigating the bankruptcy process on your own. Filing for bankruptcy on your own has a high risk for numerous mistakes along the way, complicating your life even further. To avoid these unnecessary complications, you should always hire an Atlanta bankruptcy lawyer to help guide you through the process from start to finish.
COVID-19 is causing uncertainty throughout the world as jobs are lost and people are scrambling to figure out their finances. Atlanta bankruptcy attorneys work closely with clients who have already started a bankruptcy or are in the process of determining whether it’s time to file for bankruptcy. The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, became a law on March 27, 2020, and this new law has made temporary changes to the bankruptcy code throughout the United States.
COVID-19 has forced individuals and businesses to rethink the way tasks get done. If you are having financial difficulties as a result of COVID, you may have considered filing for Chapter 7 bankruptcy, especially if quarantined or discharged from employment through no fault of your own. The first step is knowing exactly what Chapter 7 bankruptcy is and the process to get it done.
No matter who you are, it is probably safe to say that you have been impacted by COVID-19 in some way. While many people in Georgia worked every day on the frontline in our hospitals, grocery stores, and as emergency first responders – there were also many Georgians that lost their jobs and were left without an income during these unprecedented times.
COVID-19 has caused significant disruptions to nearly all aspects of life, and the court system has hardly been immune. If you filed bankruptcy before the COVID-19 pandemic began or because of the pandemic, your case undoubtedly has been impacted by changes in court proceedings. For residents and businesses in Atlanta, Georgia who have filed for bankruptcy, these cases are being impacted in multiple ways.
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