“What happens if I flunk the bankruptcy means test? Does this mean that I have no bankruptcy options?” Last month, I spoke with a Cartersville, Georgia couple who asked me this question. This Cartersville, Georgia couple read up on the internet about the means test and they knew they flunked it before they even came […]
In a recent article, the Wall Street Journal reports that the HAMP Program helps only one in four people who apply for the mortgage relief (click here to see the full article). As a Georgia bankruptcy attorney, I’m surprised that its as high as one in four. The Journal reports that “just one in four […]
The biggest myth about Chapter 7 bankruptcy is the belief that you will be able to keep your house and car without having to pay for them after you file. I’m shocked that I hear this at least once month. In fact, I spoke with a potential Dallas GA bankruptcy client today who became quite […]
Filing bankruptcy is a tough decision. Many of my clients from Dallas, Hiram, Dalton, Cartersville and Rome Georgia will tell me that they feel like they are a bad person because they are filing bankruptcy. This stigma bothers me because its not true and it keeps good people from getting their life back in order. […]
“How will my filing bankruptcy affect my husband?” I recently received this question from a panicked Dallas GA bankruptcy client on the phone this past week. She had recently remarried and did not want to harm her new husband in any way shape or form. In her first marriage, she and her now former spouse […]
The bankruptcy means test forces debtors who earn high incomes to pay back their creditors a certain amount of money as determined by the results of a formula. In this formula, there are many types of deductions that a debtor can take which will result in a lower Chapter 13 payment. The bankruptcy means test […]
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A Guide to Bankruptcy in Georgia
Helping People Get Out of Debt
