By Jeff Field | Published August 10, 2026 | Posted in Bankruptcy, Debt Collection Relief | Tagged Tags: chapter 13, chapter 7, wage garnishments | Leave a comment
Filing for Bankruptcy Can Stop Wage Garnishments Instantly
Wage garnishment is a legal process that allows a creditor, based on a court judgment, to require your employer to divert a portion of each paycheck to satisfying the debt. Garnishment is often used by credit card companies, medical services providers, personal loan lenders and debt buyers. When part of every paycheck is taken before Read More
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How Gig-Worker Income Is Proved in Bankruptcy
Since the 2020 pandemic dramatically reshuffled the economy, more and more individuals are earning income by performing short-term, flexible on-demand tasks or projects instead of holding traditional long-term jobs. By some estimates, 36 to 40 percent of the U.S. workforce is engaged in freelancing, typically through gig marketplaces or and other online platforms. While gig Read More
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How Georgia’s New Homestead Exemption Affects Bankruptcy Strategy
Georgia homeowners considering bankruptcy relief have an important new advantage. A major increase in the state’s homestead exemption should allow more people to keep their homes in Chapter 7 bankruptcy while also improving the outcome for many Chapter 13 filers. A state law that took effect July 1, 2026 more than doubled Georgia’s homestead exemption, Read More
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What People Often Misunderstand About Chapter 13 Repayment Plans
Many people misunderstand the purpose and structure of a Chapter 13 bankruptcy repayment plan. Confusion about this method of debt relief might deter them from filing for bankruptcy because they believe that a Chapter 13 filing will leave them in financial distress for years. The mistaken notion that relief only comes at the end of Read More
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Nontraditional Households Can Complicate Chapter 13 Analyses
Old television shows and films often portrayed American homes as consisting only of parents and their minor children. In truth, there have always been households that included grandparents, aunts, uncles, stepchildren and others who were not part of the traditional nuclear family. Now, more attention is given to the “modern family” that has countless variants. Read More
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Can Bankruptcy Affect Your Home and Auto Insurance Premiums?
Depending on your specific situation, bankruptcy might be the best way to overcome the debt challenges that are making it impossible for you to live the life you want. When you speak with an experienced bankruptcy attorney, they can explain options such as a Chapter 7 debt discharge or a Chapter 13 repayment plan. Many Read More
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What Is the “Best Interest of the Creditors” Test in a Chapter 13 Bankruptcy?
Before filing for bankruptcy, you should speak with a knowledgeable lawyer to discuss the options available to you. For some, a Chapter 7 proceeding is the best solution because you can discharge nonexempt debts and make a fresh start. On the other hand, a Chapter 13 repayment plan might be the right choice, particularly if Read More
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Are Debts Owed for Traffic Violations and Other Offenses Part of a Chapter 13 Repayment Plan?
Filing for Chapter 13 is the right option for many individuals facing financial distress despite the fact that they are earning a steady income. Many people are unable to climb out to debt on their own when a short-term job loss, medical issue, divorce or expensive repair sets them back. By developing a fair repayment Read More
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Early Chapter 13 Payoffs and “100 Percent” Bankruptcies: Benefits and Risks
Millions of Americans live paycheck to paycheck, which means that a temporary setback can have longstanding negative consequences. Under the right circumstances, Chapter 13 bankruptcy can serve as a financial lifeline for people who cannot catch up with their debt obligations despite the fact that they’re earning a steady income. In this type of bankruptcy, Read More
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Options for When a Divorce Occurs During a Chapter 13 Repayment Schedule
Financial strain is one of the most commonly cited reasons for divorce in the United States. When one or both spouses are earning a steady income, a Chapter 13 repayment plan might be the best way for a couple to get their money issues and their relationship back on track. Chapter 13 bankruptcy involves a Read More
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I had an excellent experience working with my bankruptcy attorney. From the very beginning, they were professional, knowledgeable, and compassionate. Filing bankruptcy can be overwhelming, but they took the time to explain every step of the process, ...
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