E.L. Clark

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The Personal Bankruptcy Option When Going Out of Business

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.

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Understanding Bankruptcy: How to File & Qualifications

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.

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How do I know if it’s the right time to file 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?

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What not to do Before Filing Bankruptcy in Atlanta, Georgia

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.

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Bankruptcy Remains Widespread in Georgia

Thanks in part to unemployment benefits efforts and stimulus payments, bankruptcy filings across the nation were down in 2020 compared to 2019.

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Georgia residents cope with the financial blow of COVID-19

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.

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Bankruptcy FAQ

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. 

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Filing Bankruptcy in Georgia: How Unemployment Benefits May Affect Your Eligibility

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.

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Changes in Consumer Bankruptcy since COVID-19 You should be Aware of

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.

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I Lost My Income Due To Covid—Should I File Bankruptcy?

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.

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Chapter 7 vs Chapter 13 Bankruptcy in Atlanta

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.

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Why You Should Work With An Attorney During Bankruptcy

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.

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Bankruptcy Law Changes During COVID-19 and CARES Act Help

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.

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Chapter 7 in a Pandemic

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.

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Chapter 13 in a Pandemic

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.

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How Court Closures May Affect Your Bankruptcy Case

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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Navigating Bankruptcy During a Pandemic

As the COVID-19 pandemic sweeps through the United States, it’s important to understand the impact this will have on your bankruptcy filing. Whether you are going to file for Chapter 7 bankruptcy to get rid of unsecured debt, or you want to restructure your debt, COVID-19 has resulted in temporary changes to the bankruptcy law at this time. Click here to read more »

Bankruptcy Attorneys: Bankruptcies Increase after COVID-19

During the height of the COVID-19 pandemic, many companies were offering financial relief to their customers. Banks and other lenders suspended mortgage payments and late fees, credit card companies allowed customers to defer their bills and even insurance companies offered reduced premiums.

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Explaining the Complicated Terms of Bankruptcy

For persons who have gotten in over their head in debt, bankruptcy can offer a viable solution to get back on the road to financial health. Bankruptcy is not to be taken lightly, however. The process of undergoing bankruptcy proceedings can be complicated. And, since bankruptcy is an official legal filing, the final judgment of the court is legally binding.

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Digging Yourself Out of Debt

Debt not only negatively affects your finances but causes undue amounts of stress and frustration. Unless you know what to do, you may find yourself in a hole forever, constantly trying to keep up with interest payments.

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