E.L. Clark

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

Reasons You Need Our Help Filing for Bankruptcy

Bankruptcy can help you get a new start on your finances when you have a significant amount of debt. Although filing for bankruptcy without an attorney is an option, this could lead to problems or complications with your case, which can end up costing you more.

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The Effect of COVID-19 on Bankruptcy Filings

COVID-19 plunged the world into an economic and health crisis unlike any seen to date. According to long-held views by economists, the rates of businesses filing for bankruptcy is influenced by economic activity — or lack thereof. Over the last two years, a range of companies across a diverse number of industries, such as energy, commercial real estate, food service and restaurant, travel and leisure, communications, retail and more, have filed for bankruptcy. 

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Common Chapter 7 Bankruptcy Questions Answered

You are bound to have a lot of questions if you are considering filing for Chapter 7 bankruptcy in Georgia. As the largest bankruptcy filer in the state, Clark & Washington, PC has the answers you need. We provide answers to the most frequently asked questions about Chapter 7 bankruptcy below.

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Chapter 13 Bankruptcy Q&A

Deciding to file for Chapter 13 bankruptcy is a big step, and you want to feel confident that you are doing the right thing. Clark & Washington, PC, the largest bankruptcy filers in Georgia, provide answers to the four most frequently asked questions in this article that should help you know whether Chapter 13 bankruptcy is the best debt relief option for you.

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What Happens to Debt When I File For Bankruptcy?

Bankruptcy is intended to provide you with a second opportunity with your money. When you’ve gotten so far over your head with debt, declaring bankruptcy is a way to begin anew. But before entertaining the idea of bankruptcy to solve your financial worries, it helps to understand a little about what happens to debt when you file for bankruptcy.

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Steps to Ensure a Successful Bankruptcy Filing

Filing bankruptcy involves specific steps that must be completed successfully. Not understanding that process could mean having to start all over because you missed something. Even if you are not forced to start over you could encounter delays because you are not prepared. The best way to ensure a successful bankruptcy is to be as prepared as possible and that starts with a consultation with a qualified bankruptcy attorney.

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How Filing Chapter 13 Bankruptcy Affects Your Credit

When people decide to hire Atlanta bankruptcy law firms to file for bankruptcy, a common question they have is how the filing will impact their credit. The attorneys at Clark & Washington, a law firm focusing exclusively on Chapter 7 and Chapter 13 bankruptcy, are always happy to answer client questions. Filing for bankruptcy is a major decision with financial and legal implications, so knowing how it will impact your credit is important.

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The Advantages of Hiring Our Atlanta Bankruptcy Attorneys for Your Chapter 7 Filing

Once you decide to file for bankruptcy in Georgia, your next step is to find a qualified attorney to represent you. Although the law does allow bankruptcy petitioners to represent themselves in a process called pro se, most choose not to do so. Bankruptcy has long-term legal and financial consequences that can be challenging to understand when you do not have a legal background. You also need to consider that federal law prohibits bankruptcy judges and court employees from offering any advice about your case.

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What Time of Year Do People Most File for Chapter 7 or Chapter 13 Bankruptcy?

People who are in dire financial strain file for bankruptcy throughout the calendar year, but trends in filings show that filing becomes more common this time of year. If you’re facing a Chapter 7 or Chapter 13 bankruptcy right now, know that there are many other people in similar situations.

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We Debunk Common Bankruptcy Myths

Deciding whether to file for Chapter 7 or Chapter 13 bankruptcy is difficult enough without having to wade through various myths to see if there is any truth to them. Unfortunately, falsehoods about both types of bankruptcy persist that make the process more challenging than it needs to be. In this blog, Georgia bankruptcy attorneys Clark & Washington provide factual information to counter some of the most persistent myths about Chapter 7 and Chapter 13 bankruptcy.

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Can You Keep Your Retirement Accounts In Bankruptcy

Bankruptcy gives people in debt a chance to start over without losing everything, but does that include their retirement accounts? There is a lot of misconception about bankruptcy rules. If you consider taking this grave step, knowing what it involves is essential. Do the laws and procedures of filing bankruptcy in Georgia include giving up your retirement accounts? 

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What Creditors Don’t Want You To Know

There is no benefit to creditors if you file for bankruptcy. They make their money by keeping you in debt. That’s why they don’t want you to know that you have the right to have most, if not all, of that debt forgiven under federal law. And, you can get out of debt for a fraction of what you’d pay creditors or debt settlement agencies – and in a lot less time. 

What else are your creditors hiding from you about bankruptcy relief? 

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Bankruptcy During the Pandemic

Losing a job and being out of work for a few weeks is bad enough – money is tight until you get that first paycheck, but many people make it through with little to no consequences. However, with the pandemic in play, people lost jobs and could not go back to work because of lockdowns. Even if businesses opened after a couple of months and you received unemployment, you probably got pretty far behind in paying bills.

A bankruptcy attorney at Clark & Washington, P.C., can help you get back on your feet and become debt-free.

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Trust Our Experienced Bankruptcy Attorneys

Making the decision to file for bankruptcy should never be taken lightly. When you have the right professionals by your side to help you through that process, it is possible to make the right decision for yourself and your financial future. Working with Georgia’s premier bankruptcy attorneys can help you to start on the right path. Consider a few key aspects of filing bankruptcy now.

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Bank Account Garnished? Here’s What To Do Now.

Garnishment can be stressful and upsetting, and many people who experience garnishment are left feeling like they have no choice. You do have choices, but it’s important to work with a professional attorney who can help. The more you understand about garnishment and what it is, and the sooner you take action to defend yourself against a garnishment, the better off you’ll be. Here’s what you need to know about garnishment. 

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Can You Convert from Chapter 13 to Chapter 7 Bankruptcy?

Sometimes things happen, and you can no longer pay your debts. While you have several options available to you, it is sometimes easier to get a fresh start by filing bankruptcy. Once you decide to file bankruptcy, you have two options: Chapter 13 reorganization and Chapter 7 liquidation. The method you choose depends on your individual situation, including how much money you make, what assets you have, and how much your assets are worth.

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Is Filing for Bankruptcy Right for You?

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.

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What Happens After Filing Chapter 7 Bankruptcy in Georgia

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.

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Bankruptcy Attorneys Make Sure You Do It Right

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.

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Why You Should Work Our Bankruptcy Attorneys

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. 

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Due to COVID-19, We Can Now File Your Bankruptcy Over The Phone With $0 Down Options. No Office Visit Required.