“When considering bankruptcy, should I wait until I receive my tax refund before I file?” As a bankruptcy attorney, this is a frequent question I get in my Dalton, Rome, Cartersville and Dallas, Georgia offices every year from January until April. The answer to this question is, “It depends.” I understand that this answer can […]
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“Can a creditor garnish money from my checking account in Georgia?” Just the other day, one of my Dallas Ga bankruptcy clients asked me this question. The answer to this question is yes. “How much can they take out of my checking account?” The answer is however much they need to take out of your
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In a bankruptcy case, any inheritance that you are about to receive should be brought to the attention of your bankruptcy attorney before any case is filed. I recently spoke with a couple in my Rome office whose mother had recently died. These Rome Ga bankruptcy clients were scared to death that they would not
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The Wall Street Journal recently reported that one the nation’s largest debt collectors has used the signature of a dead person to collect on debts (click here to read the article in the WSJ). Martha Kunkle died in 1995. Her death did not stop Portfolio Recovery Inc. from using her signature to sue people. The
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The Wall Street Journal reports that computerized house appraisals are preventing debtors from refinancing their loans (Click here to see the full article). In the past, home appraisals were blamed for being too generous. In fact, some people claim that generous home appraisals caused the housing bubble that has come crashing down over the past
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“Should I file bankruptcy or tough it out with my creditors?” As you can imagine, I get this question quite often from potential clients from Rome, Dallas, Hiram, Douglasville, Dalton, Cartersville, Chatsworth, Calhoun and Ringgold Georgia. You might be surprised to know that I often tell some people that they don’t need to file bankruptcy.
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The Los Angeles Times has reported that Arizona and Nevada have filed suit against Bank of America over loan modifications. Click here to read the full article. The Times reports that “troubled borrowers increasingly have accused banks of acting in bad faith by promising them permanent modifications that are never delivered.” As a Georgia consumer
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If you are in an active Chapter 13 bankruptcy, you cannot receive a rapid tax refund while your case is active. The reason for this prohibition is that a rapid tax refund is a loan against the tax refund you will receive next year. While you are in an active Chapter 13 bankruptcy, you can’t
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“If I file bankruptcy in Georgia, will the creditor take the stuff I put up as collateral for the loan?” I was just asked this question by a bankruptcy client in my Rome, Georgia office this afternoon. In almost every case, the answer is no. Many Georgia bankruptcy clients have debts with small loan companies.
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If you are considering filing bankruptcy in Georgia and wish to take advantage of a free initial consultation, you do not have to bring anything to my office. Many of my clients are a bit apprehensive before filing bankruptcy and some feel a bit intimidated by bankruptcy attorneys. They may have heard stories about some
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