Can I File Bankruptcy If My Spouse Refuses to File?
If your spouse refuses to file bankruptcy with you, you can still file. However, there are some factors you should…
Read MorePersonal Bankruptcy
Do I Have to Appear in Court to File for Bankruptcy?
Most bankruptcy petitioners do not attend a formal court proceeding before a judge during the bankruptcy process. In rare cases,…
Read More
Bankruptcy FAQ: Will Bankruptcy Get Rid of Tax Debt?
When you have a past due balance with the IRS that you cannot pay, bankruptcy may be the only option.…
Read More
Can I Still File Bankruptcy If I Moved Recently?
If you have recently moved and you need to file bankruptcy, you may worry that there are no bankruptcy protection…
Read More
Many Expect More Bankruptcies than Normal in 2022
Did you know that in the U.S., the number of bankruptcies is rising at an alarming rate? In the last…
Read More
Can I Be Discriminated Against for Filing Bankruptcy?
Federal laws against bankruptcy discrimination were introduced in 1971 when the U.S. Supreme Court decided the Perez v. Campbell case.…
Read More
3 Tips for a Successful Bankruptcy
Filing bankruptcy is not a joke, and it’s not a decision you make in passing. The benefits of bankruptcy are…
Read More
Can a High Income-Earner Qualify for Chapter 7 Bankruptcy in Georgia?
If you are a high-income earner in Georgia or Tennessee facing financial hardship, you may feel like you have no…
Read More
Can a Bankruptcy Attorney Stop My Car From Getting Repossessed?
Are you behind on your car payments? Are you afraid your lender will repossess your vehicle? If so, you may…
Read More
Does Business Bankruptcy Affect Personal Credit?
Business owners considering bankruptcy often wonder how a business bankruptcy would affect their personal credit. When business owners file a…
Read More
5 Reasons Filing Bankruptcy May be the Best Idea for Your Family
Most often when people think of bankruptcy, they consider the discharge of debt – they focus on the money. However,…
Read More
Can You Improve Your Credit Score with Rent Payments?
After filing bankruptcy and receiving your discharge of debt, it’s easy to put it behind you and enjoy a fresh…
Read More
Can You Be Evicted During a Georgia Bankruptcy?
When filing bankruptcy, state and federal bankruptcy laws determine who qualifies, which debts are eligible for discharge, what counts as…
Read More
How Are Public Benefits Considered When Declaring Bankruptcy?
Considering that American families depend on bankruptcy when they don’t have the financial means to cover their expenses, it’s not…
Read More
How is Bankruptcy Reported to the Credit Agencies?
If you’re considering filing bankruptcy, you are likely already aware that the bankruptcy filing ends up on your credit report,…
Read More
What to Do When Collectors Contact You After Bankruptcy
When you file bankruptcy, one of the most advantageous and quick-acting benefits is the automatic stay. The automatic stay of…
Read More
What is Wage Garnishment and How Do You Stop It?
If you are nervous that your wages are going to be garnished or if you have received a notice of…
Read More
Bankruptcy Happens to Good People, Too
Did you know that Tennessee has more than double the national bankruptcy rate? According to Memphis Business Journal, Tennessee sees…
Read More
Can You Save Your Home from Foreclosure During Bankruptcy?
The possibility of foreclosure can be one of the scariest situations any homeowner can face. When faced with foreclosure, most…
Read More
Does Filing Bankruptcy Affect My Inheritance?
If you need the protections offered by bankruptcy law, but you’re worried about your inheritance and how it could be…
Read More
Can I Discharge Backrent in Georgia Bankruptcy?
When the rent is late, the landlord doesn’t typically offer a lot of time to figure out a solution. So…
Read More
Is it Possible to Buy a Car During a Bankruptcy?
One of the frequently asked questions consumers ask when considering filing bankruptcy is, “Can I buy a car during bankruptcy?”…
Read More
FAQ: Will Filing Bankruptcy Wipe Out All My Debt?
Many people in today’s political and financial climate seek relief from overwhelming debt and financial difficulties. For some, this means…
Read More
How to Prepare for Your 1st Consultation with a Bankruptcy Attorney
Once you’ve scheduled an appointment with a bankruptcy attorney, many find that the debilitating stress associated with the financial trouble…
Read More
Lost Your Job? An Experienced Bankruptcy Attorney Can Help
If you’ve lost your job, and you are unsure how you’ll successfully manage your finances in the months or years…
Read More
Managing Debt Following Covid-19 Pandemic & How Bankruptcy May Help
The recent pandemic, quarantines, and shutdowns have resulted in a wage of job loss, pay cuts, lost hours, and numerous…
Read More
4 Things You Absolutely Should Not Do When Filing Bankruptcy
Are you having financial problems? If you are considering bankruptcy as an option, make sure you are aware of what…
Read More
How the Covid-19 Pandemic is Affecting Tennessee Families, Debt & Bankruptcy
Throughout the course of 2020 and 2021, the Covid-19 pandemic affected nearly everyone in the nation. Many have lost their…
Read More
Bankruptcy 101: Common Bad Financial Habits Hurting Georgia Families
Being overwhelmed by debt can be extremely damaging for families. The tension and stress associated with debt and being in…
Read More
How to Pay Off Student Loans as Quickly as Possible
Approximately 1 in every 8 Americans carry student loan debt around with them. that’s 42.9 million Americans hanging on to…
Read More
The Benefit of Having a Clear Budget When Trying to Deal with Debt
If you are overwhelmed by debt or can’t seem to stay on top of your bills, and you aren’t sure…
Read More
5 Things To Avoid Before Filing Bankruptcy
If you are thinking about filing bankruptcy, there are a lot of things you are probably trying to remember to…
Read More
Is Filing Bankruptcy Different If You’re a Single Parent?
After divorce, single parents face new challenges that come with co-parenting, but they also have to face the struggle of…
Read More
How Does Filing Bankruptcy Affect Child Support?
If you are divorced, and have a custody agreement with a child support order, a bankruptcy filing can bring up…
Read More
Understanding Bankruptcy: A Glossary of Common Bankruptcy Terms
When you’re faced with a financial crisis, you’re under an extreme amount of stress. One of the main benefits of…
Read More
How to Avoid Common Scams Targeting Bankruptcy Petitioners
Many individuals and families facing bankruptcy are also experiencing one of the most vulnerable time periods of their life. Sadly,…
Read More
Is It Possible to Keep Bankruptcy Records Private?
A significant number of potential bankruptcy filers arrive at their first consultation with one question on their mind: Can I…
Read More
What Are the Two Most Common Types of Bankruptcy for Individuals?
Most people have a general understanding of bankruptcy. Many are also aware that there are different types of bankruptcy. However,…
Read More
Learn More About the Debtor Education Course Requirement
Before a bankruptcy filer can receive a discharge of debt in their Chapter 7 or Chapter 13 bankruptcy case, they…
Read More
Know the Key Deadlines in Your Bankruptcy Case
When filing a Chapter 7 bankruptcy, you can expect the standard bankruptcy process to take about four months. The process…
Read More
The Importance of Disclosing Assets in Bankruptcy
Bankruptcy law requires full disclosure of all assets. The disclosure of all assets is a basic premise of bankruptcy. The…
Read More
How Does Divorve Affect My Bankruptcy Case?
Two of the most stressful (and emotionally charged) experiences people commonly endure in modern times are divorce and bankruptcy. So…
Read More
Dealing with a Debt Your Creditor Sold to a Collection Agency
When a debt goes past due, creditors typically contact the debtor to collect payment. When a debt continues to fall…
Read More
Understanding Priority Unsecured Debts in Bankruptcy
If you are filing bankruptcy or considering filing in the future, it’s important to understand the difference between priority and…
Read More
Issues to Consider Before Signing a Reaffirmation Agreement
Are you filing bankruptcy? Is your mortgage lender insisting that you sign a reaffirmation agreement for your residence? Should you…
Read More
Chapter 7 Bankruptcy: Not All Assets are At Risk
Do you know which assets are exempt during a bankruptcy case? Before filing, it is essential to understand the difference…
Read More
How Is Social Security Handled During Bankruptcy?
If you live on a fixed income funded by Social Security benefits, and you are also facing a growing amount…
Read More
3 Tips to Regain Your Financial Health After Bankruptcy
Going through a bankruptcy can be difficult, stressful, embarrassing, and damaging to your credit rating. Still, the fresh financial start…
Read More
Can I File Bankruptcy if I Am Unemployed?
There are many different reasons for filing bankruptcy, but one of the most common is unemployment. No one is ever…
Read More
My Identity was Stolen, Will Bankruptcy Help?
If you’re wondering if bankruptcy fixed identify theft problems, you’re probably in a pretty rough spot. Getting your identity stolen…
Read More
Can I File Bankruptcy Without My Spouse?
Most people assume they can file bankruptcy as a single person, but what about if you’re married? Did you know…
Read More
What To Do Now If You Think You Will Need to File Bankruptcy in 2021
2020 has been an unprecedented year. More than 22 million Americans have filed for unemployment. Cities and states across the…
Read More
Georgia Bankruptcy: Tax Debts & Tax Refunds
If you are filing bankruptcy, you may wonder how any tax refunds will be handled. What happens to tax refunds…
Read More
How Will My Bankruptcy Affect the Co-Signer on My Loan?
When you file Chapter 7 bankruptcy, secured and unsecured debts are discharged. Unsecured debts include credit card debts, medical debts,…
Read More
How is Your Home Equity Handled When You Convert Your Chapter 13 to a Chapter 7 Bankruptcy?
Sometimes Chapter 13 bankruptcy petitioners experience a significant life change during their three or five year Chapter 13 bankruptcy payment…
Read More
How To Save Your Car in Tennessee Bankruptcy
Many bankruptcy petitioners worry about whether or not they can save their car if they file Tennessee bankruptcy. By filing…
Read More
What Happens to Valuable Pets During Bankruptcy?
Many people think of their pets like family, but according to the law, pets are actually assets, and bankruptcy courts…
Read More
What Happens to Your Jointly Owned Assets During Tennessee Bankruptcy?
Are you filing bankruptcy, and you aren’t sure what will happen to a property with joint ownership? How does your…
Read More
Is it Better to Vacate a Judgement, Settle the Judgement, or File Bankruptcy?
Do you have a judgment out against you? If so, you should know that there are only three ways to…
Read More
Tennessee & Georgia Bankruptcy: Will the Bankruptcy Court Consider Your Social Media Account an Asset?
You may consider your social media accounts a form of recreation. Your Instagram feed or Facebook page is just a…
Read More
What is the Meeting of the Creditors (or 341 Meeting), and When Does it Occur?
Many bankruptcy filers are extraordinarily nervous or even afraid of what will happen at their Meeting of the Creditors (or…
Read More
Tennessee & Georgia Bankruptcy Exemptions: What Property is Protected from Creditors?
Most bankruptcy petitioners do not lose assets when filing for bankruptcy. Bankruptcy law includes exemptions enabling filers to keep certain…
Read More
Is Your Pension Exempt in Bankruptcy?
Years ago, Congress exempted most retirement accounts from bankruptcies. However, not all retirement funds are protected during bankruptcy. Whether or…
Read More
How Will Bankruptcy Affect My Divorce Settlement?
Did you know that financial stress is one of the leading causes of divorce? Ironically, divorce typically increases financial strain…
Read More
Is It Always Best for a Married Couple to File a Joint Bankruptcy Petition?
Are you married and filing bankruptcy? If so, you’ll need to decide if you are filing jointly or separately. It’s…
Read More
Exempting Your Mobile Home During Bankruptcy
Many bankruptcy petitioners worry about their homes when filing bankruptcy. Whether or not you can keep your mobile home when…
Read More
How To Protect Your Credit During the Coronavirus Pandemic
The Covid-19 pandemic is affecting people throughout the world. Many have lost their jobs or experienced significant pay cuts. Some…
Read More
Filing Bankruptcy: How to Protect Your Assets
If you are considering filing bankruptcy, you are most likely wondering how you can protect your assets. Protecting assets in…
Read More
When I File Bankruptcy Does It Remove a Judgment Lien Against My Property?
Many bankruptcy petitioners are unsure whether or not filing bankruptcy will remove a judgment lien against their property. In some…
Read More
If Your Bankruptcy Case is Dismissed, Can You Refile?
The bankruptcy court may dismiss your bankruptcy case for several different reasons. The Bankruptcy Code outlines various responsibilities for debtors,…
Read More
What Happens to Debt Not Listed in Your Bankruptcy Schedule of Debts?
When filing bankruptcy, there’s a lot of paperwork. Among the paperwork, bankruptcy petitioners are required to list all their income…
Read More
Can You Discharge Medical Debt in a Georgia Bankruptcy?
Are you facing significant medical debt? Do you watch more medical bills arrive each week with no idea how you…
Read More
What Happens to Your Tax Refund After You File Bankruptcy?
Do you know what happens to your tax refund when you file bankruptcy? According to the IRS data in 2004,…
Read More
Tennessee Car Repossession: Avoid Getting Your Car Repossessed
In many areas in the US, including Tennessee, owning a car is a necessity. You need a car to get…
Read More
Can You Buy a Car After Bankruptcy?
Are you worried about buying a car after bankruptcy? It’s a common fear, but buying a car after bankruptcy is…
Read More
As Consumer Debt Reaches Another All-Time High, Americans Consider Bankruptcy
It’s no surprise that many Americans are buried in debt. We were in a dangerous spot before the recession hit,…
Read More
The Nationwide Phenomenon Some Are Calling Gray Bankruptcy
Did you know that “gray” bankruptcies are on the rise? The number of Americans over the age of 65 that…
Read More
Can Bankruptcy Petitioners Choose Which Debts are Paid Off First?
When you are considering filing bankruptcy, you have a lot on your mind. You need to think about your specific…
Read More
Will Financial Challenges Related to Covid-19 Lead to More Bankruptcy Filings?
With the onset of massive changes in the workplace across the nation, many are wondering if we will see an…
Read More
Does Divorce Make Women More Vulnerable to Financial Trouble?
Did you know that divorce is often cited as the reason women go into bankruptcy? Did you know that the…
Read More
Can I Keep My Home in a Georgia Bankruptcy?
Are you a Georgia homeowner filing bankruptcy? If so, the question at the top of your mind is probably whether…
Read More
Can My Tennessee Bankruptcy Impact My Job Search?
If you are worried about bankruptcy negatively affecting your employment, you probably shouldn’t bother worrying. It is illegal for employers…
Read More
Does Divorce Increase Your Chances of Filing Bankruptcy?
Is there a connection between divorce and bankruptcy? Does divorce make bankruptcy more or less likely? Which comes first: bankruptcy…
Read More
Potential Bankruptcy Filers Beware: Common Debt Settlement Scams
Debt, in itself, is not a bad thing, but when an individual or a family has more liability than they…
Read More
Why Are Bankruptcy Filers Required to Complete Credit Counseling?
Did you know that every bankruptcy petitioner is required to complete a credit counseling course before they file bankruptcy? They…
Read More
Does Religious Private School Tuition Fall Under a “Reasonable Expense” During Bankruptcy?
If your family is struggling with overwhelming debt and you need the protections offered by bankruptcy, don’t hesitate to get…
Read More
Do I Have to Stop Making Charitable Donations During Bankruptcy?
Did you know that America is full of charitable people? It’s true. Even during recessions and times of high unemployment,…
Read More
When Should Bankruptcy Filers Start Rebuilding Credit?
If you’ve filed for bankruptcy and you aren’t sure when you should start rebuilding your credit, the answer is simple.…
Read More
Filing Bankruptcy: What Are the Most Common Pre-Filing Mistakes
Bankruptcy was designed to help good people having a hard time; people just like you struggling to make a life…
Read More
Bankruptcy Law: When is it Too Late to Stop a Foreclosure?
You’ve probably heard a lot about bankruptcy. Most are aware that homeowners in financial trouble can often turn to bankruptcy…
Read More
How to Stop a Wage Garnishment with Bankruptcy
Many Americans will agree that debt has a way of sneaking up on a person – on a family. Once…
Read More
3 Benefits of Bankruptcy’s Automatic Stay
Living your life while buried in an absurd amount of debt is not easy, and many turn to bankruptcy as…
Read More
Common Signs That You May Need to Discuss Filing Bankruptcy
It’s not unusual for a typical American consumer to wonder if they’re in over their head when credit card bills…
Read More
IRA Protections: Federal Law Protects Retirement Accounts During Bankruptcy
In most cases, bankruptcy petitioners can keep retirement accounts like 401ks and IRAs when filing for Chapter 7 bankruptcy. Still,…
Read More
Does Filing Bankruptcy Pose a Risk to My Career?
When you are struggling with debt, you start to see ads for bankruptcy attorneys everywhere. You see their commercials on…
Read More
Bankruptcy Can Often Help Relieve Emotional Stress Caused by Financial Struggles
Are you thinking about filing for bankruptcy? If so, you have probably been dealing with impossible financial struggles for a…
Read More
What To Do When a Debt Collector Calls You?
Don’t worry if you’re caught off guard the first time a collector calls. It’s completely normal, but talking to a…
Read More
5 Common Reasons Bankruptcy Cases Are Dismissed
If you are worried about your bankruptcy case being dismissed, it may help put your mind at ease to hear…
Read More
Can a Second Mortgage Company Foreclose On My House?
Can a second mortgage company foreclose on your home? Unfortunately for some, the answer is yes. A second mortgage company…
Read More
Can I Still Collect Rent If I’m Surrendering Properties in a Bankruptcy?
Rental properties are becoming a more common asset for the typical American. Rental properties generate a steady source of income,…
Read More
What is a 2004 Examination in Bankruptcy?
Most bankruptcy cases don’t resemble other types of litigation much. There’s rarely a lawsuit attached to a bankruptcy proceeding. However,…
Read More
Can a Homeowner’s Association Foreclose on My House?
If you are a resident in a newer home community or a low-maintenance planned community, chances are that you have…
Read More
How To Determine Jewelry Value During Bankruptcy
If you are filing bankruptcy, you already know that you will need to notify the bankruptcy court of all debts…
Read More
How Chapter 13 Bankruptcy Affects Business Owners
Are you a small business owner filing for Chapter 13 bankruptcy? Are you confused about how it will affect you…
Read More
Bankruptcy and Retirement Accounts
Do you know what happens to retirement accounts and retirement savings during a bankruptcy? It depends on whether or not…
Read More
Main Differences Between Chapter 7 and Chapter 13 Bankruptcy
Serious debt can be mentally and emotionally exhausting. When you can’t keep up with repaying loans and credit card bills,…
Read More
Waiting Until After the Holidays to File Bankruptcy Can Be Risky
You’re overwhelmed by debt. You’re barely scraping by, and you’re deciding who to pay when you receive your paycheck based…
Read More
Child Support and Bankruptcy
Certain types of debt are not eligible for discharge. Congress decided these priority debts are designated too essential to be…
Read More
Can You Be Evicted While Declaring Bankruptcy?
Did you know that bankruptcy can discharge a debt owed to a landlord? If you file for bankruptcy before the…
Read More
How Does Bankruptcy Affect Your Utilities?
In the weeks and months before filing for bankruptcy, you may have fallen behind on your bills. You may have…
Read More
When Should You Consult a Bankruptcy Lawyer?
Did you know that people are more likely to interact with the bankruptcy courts than they are any other legal…
Read More
Drowning in Debt and Turning to Bankruptcy for Protection
Are you drowning in debt? Do you and your family struggle to make your monthly payments? Do you worry about…
Read More
Vehicle Repossession and Bankruptcy
Do you feel like you’re at the end of your rope when it comes to balancing the finances each month?…
Read More
What is a Bankruptcy Discharge?
The main goal of bankruptcy is to get creditors to forgive outstanding debt or to put the borrower in the…
Read More
Filing for Bankruptcy: What Is the Means Test?
The bankruptcy means test is in place to determine whether or not a consumer is eligible to file for Chapter…
Read More
Don’t Be Embarrassed to Talk About Bankruptcy
Everyone has certain things that they don’t want to discuss. Some people don’t want to talk about money. Others don’t…
Read More
Know the Important Do’s and Don’ts of Bankruptcy
Are you struggling to pay your bills? Do you have debt that you cannot repay? If you are having difficulty…
Read More
Will I Lose My Home If I File for Bankruptcy?
Bankruptcy law is complicated. The complicated process offers consumers a chance to manage debt that is not manageable. It also…
Read More
How Can I Repair My Credit After Bankruptcy?
Petitioners who file for Chapter 7 bankruptcy receive a clean financial slate through the bankruptcy discharge that erases liability for…
Read More
Car Repossession and Bankruptcy
When a borrower defaults on their car loan, the lender usually has the right to repossess the vehicle. In most…
Read More
What Does Bankruptcy Protection Actually Mean?
The bankruptcy code is found in Title 11 of the United States Code; it is federal law administered in Federal…
Read More
Can I Change from One Type of Bankruptcy to Another?
If you already filed bankruptcy in Tennessee or Georgia, and you suspect that you might benefit from changing to another…
Read More
Will Filing for Bankruptcy Harm My Credit?
It is common to be concerned about your credit score when filing for bankruptcy. Some believe that filing for bankruptcy…
Read More
Should You Feel Bad About Filing for Bankruptcy?
Some Christians, when facing severe financial distress, have difficulty considering bankruptcy as an appropriate option. They question the bankruptcy process’s…
Read More
Increasing Numbers of Seniors are Turning to Bankruptcy Protection
We call it the “golden years,” but for many their retirement years are not quite as shiny as they expected.…
Read More
Bankruptcy Basics: The Benefit of the Automatic Stay
No one deserves to be afraid to answer their phone or check their mail or open their front door to…
Read More
Common Property Interests that Require Complete Disclosure During Bankruptcy
Are you filing for bankruptcy in Tennessee or Georgia? Do you know what property you are required to disclose for…
Read More