I know this sounds really strange but a bankruptcy case can get really messed up sometimes because of Christmas gifts. I absolutely love Christmas and I don’t like the Grinch but it is my job to tell you truth about how Christmas can really wreck a case. Let me give you an example. Let’s say […]
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In a Chapter 7 bankruptcy case, a trustee cannot take away some types of income streams from you that are protected by the Georgia exemption statute. Income streams that are protected by the Georgia exemption statute are: income received from unemployment veteran’s benefits disability benefits payments from a pension or annuity payment from an IRA
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In every bankruptcy case, if a creditor wants to get paid they must file a proof of claim. A proof of claim is a written statement of a creditor with verifying documentation that describes the basis that the person who filed bankruptcy owes the creditor. When you file a bankruptcy case in the Northern District
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The Atlanta Journal and Constitution recently reported that the federal government will unveil yet another new program to help resolve the foreclosure crisis in this country. This new proposal will make changes to the Home Affordable Refinance Program (HARP) which was introduced in 2009. Just like all of the other programs unveiled to this
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Reader’s Digest recently published an article detailing some secrets from the debt collector’s playbook (click here to read the full article). As a Georgia bankruptcy attorney, I wanted to throw up when I read the part about how the debt collector will ask people to borrow from their 401k or borrow money from friends or
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Newspapers across our nation have been full of articles detailing bank foreclosure practices that have been abusive. It now looks like the federal government will attempt to respond to this foreclosure abuse. The Wall Street Journal has reported that federal regulators will review millions of foreclosure cases to determine whether some consumers should be compensated
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I offer a free consultation to any person in Northwest Georgia who is considering bankruptcy. Here are my top ten bankruptcy tips for keeping your free consultation hassle-free. Please note that most bankruptcy clients don’t bring anything to their first appointment with me because they just want some basic information. However, if you want the
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Anyone who files either a Chapter 13 or a Chapter 7 bankruptcy must complete a credit counseling class within the 180 day period before the case is filed. In other words, if you took the class 181 days ago and now you want to file your case, you will need to take it gain. Your
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The Atlanta Journal Constitution has recently reported that bankruptcy filings have dropped by eight percent this year but that does not mean that the economy is improving. You would think that with the stock market dropping and unemployment on the rise that bankruptcy filings would be climbing but not in this awful economy. It is
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Bloomberg News reports that Ray Guy’s three Super Bowl rings will be auctioned off in his bankruptcy case (click here to see to full article). The article reports that the rings are worth between $70,000.00 and $90,000.00. I’m no expert in jewelry valuation but it seems like a Super Bowl Ring would be worth a
Bankruptcy News – Football Great Ray Guy Auctions Super Bowl Rings Read More »