E.L. Clark

I always recommend a friendly, free, no obligation consultation.

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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Understanding Income Tax Debt

Chapter 13 bankruptcy is one of the best tools available to individuals who owe more debt than they can afford to pay. However, not all debts can be discharged in bankruptcy. When it comes to income tax debt, the specific circumstances of the debt will determine how it will be handled in your case

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Priority Debts in Bankruptcy

Whether you are filing Chapter 7 bankruptcy or Chapter 13 bankruptcy, you are likely to hear the term “priority debts.” Before proceeding, you need to understand what this term means and how it affects your case.

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Is a Chapter 7 Bankruptcy in Atlanta Right for You?

If you feel like you’re drowning in debt and you don’t see any way out, you’re not alone. In these difficult economic times, millions of people across the nation are facing the same situation. It can easily lead to feelings of despair, hopelessness, and depression. But there is a way out.

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Exemptions When You File a Chapter 7 Bankruptcy in Georgia

Filing a Chapter 7 bankruptcy is a big decision that allows you to keep certain property and assets that are considered exempt. There are both federal and state laws that determine the property that has to be liquidated to pay off your debts and the property you get to keep despite the bankruptcy filing.

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Important Questions to Ask Your Bankruptcy Attorney

Bankruptcy is a process that most people aren’t familiar with, which is why you need an attorney to guide you through the process if you must declare Chapter 7, Chapter 11 or Chapter 13. If you’re beginning the process of bankruptcy or are already in the midst of it, here are some essential questions to ask your bankruptcy attorney.

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Get A Fresh Start With Bankruptcy

When you are having money issues and creditors are breathing down your neck, it can be difficult to see a way out. No one wants to find themselves in this type of financial situation, but when it happens, you do have options. One of those options is bankruptcy. Bankruptcy can give you back your life and allow you start over with a clean slate.

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Should You Hire A Bankruptcy Attorney? Yes!

If you are struggling to pay mountains of debt and you don’t see a way out, bankruptcy may be the best option available to you. When you file for bankruptcy, you are given tools that help you manage or even eliminate your debts so you can begin working toward financial recovery. However, attempting to file for bankruptcy without legal guidance is not recommended. Below are some of the benefits of hiring an experienced bankruptcy attorney near Atlanta.

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How To Raise Your Credit Score After Bankruptcy

If you have debts you cannot pay, you may be considering bankruptcy. Although bankruptcy can help you to dramatically reduce or even eliminate these debts, it will hurt your credit. In fact, bankruptcy can stay on your credit report for as long as ten years, and it is sure to lower your score.

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