By Jeff Field | Published December 30, 2022 | Posted in Chapter 13 | Tagged Tags: automatic stay, car repossession | Leave a comment
Does Chapter 13 Prevent Car Repossession for Overdue Payments?
In many areas of the country, people need a car to commute to their jobs, get groceries and attend to other life activities. In such circumstances, the prospect of having a vehicle repossessed may be a disaster second only to losing a home to foreclosure. Fortunately, a Chapter 13 bankruptcy offers a variety of potential Read More
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How the Automatic Stay in Bankruptcy Protects Your Wages and Bank Accounts
When your wages, bank accounts and other funds you use for essential expenses are seized to pay overdue debt, the results can be devastating. For example, a wage or bank garnishment may leave you without enough money for your car payment. If the car is then repossessed and you are without transportation, you risk losing Read More
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Using Chapter 13 to Reorganize Your Business Debts
People having serious debt problems may be able to reorganize their financial affairs using Chapter 13 bankruptcy. Chapter 13 allows a qualified debtor to restructure debts and repay some of the outstanding balances over a set period of years. Only an individual can file Chapter 13 bankruptcy. Businesses must resolve their debt problems by other Read More
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What Property Can You Keep When You File for Bankruptcy?
The myth that you lose everything if you file for bankruptcy is exactly that, a myth. In reality, bankruptcy filers in Georgia usually get to keep most or all of their important items by declaring them exempt from creditors under state law. If an item qualifies for an exemption, the item cannot be taken by Read More
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7 Things to Do to Make Your Bankruptcy Go Smoother
If you’re contemplating filing for bankruptcy, you may be worried that it will be a hard process that takes a long time to get through. As experienced Georgia bankruptcy lawyers, we’re here to tell you there is no reason to panic. Yes, bankruptcy can be a complex process, but you have the ability to do Read More
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What Happens in Chapter 7 if There’s Too Much Equity in Your Home?
Most Georgia bankruptcy filers prefer taking the Chapter 7 route because it results in discharging outstanding debts while allowing debtors to keep most or all of their property. However, you shouldn’t assume Chapter 7 is the right fit for you. There are several factors to consider first, including your income, your expenses and whether you Read More
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How Fraudulent Transfers Can Frustrate Your Bankruptcy Case
Some bankruptcy filers attempt to shield some of their assets by transferring them to other people. They give away assets or sell them at nominal prices to family members, or friends. Unfortunately, moving assets around shortly before filing for bankruptcy can be deemed fraudulent transfers or fraudulent conveyances. They can be discovered and undone by Read More
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Making Sure Your Chapter 13 Payments Go Into the Right Hands
In a Chapter 13 Bankruptcy, also known as reorganization, the debtor agrees to a court-approved plan to repay a portion of his or her outstanding debts. Eligible creditors are paid specified amounts over the life of the plan, which is three to five years. However, in devising Chapter 13 plans, there are many opportunities for Read More
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How Credit Card Companies Can Challenge Debt Discharge
Credit card debt is one of the financial issues that can push a borrower into filing for bankruptcy. However, federal law allows a creditor to challenge discharge of a particular debt by claiming it was obtained by “false pretenses, false representation, or actual fraud.” Credit card companies have two primary strategies for raising such challenges. Read More
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Can You File a Chapter 7 Without Affecting Your Spouse?
Married couples often file joint bankruptcy petitions. In many cases it makes perfect sense for both spouses to liquidate (Chapter 7 bankruptcy) or reorganize (Chapter 13 bankruptcy) their debts. However, it is possible for only one spouse to declare bankruptcy and under certain circumstances, it is in the couple’s best interests to do so. One Read More
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