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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Is Home Equity at Risk in a Chapter 7 Bankruptcy?
A Chapter 7 bankruptcy is sometimes referred to as a liquidation because the court-appointed trustee has the power to sell a petitioner’s non-exempt assets to repay their creditors. That label tends to scare many homeowners who assume they will automatically lose their homes and the equity they have built. In reality, whether someone’s home equity Read More
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Is It Possible to Qualify Under the Chapter 7 Means Test Even if You Have a High Income?
People who struggle with debt despite earning a higher-than-average income sometimes are told that they cannot file for Chapter 7 bankruptcy because they make too much. Indeed, the means test is used in Chapter7 proceedings to ensure that debt discharge only is granted to those who really need that type of relief. While the first Read More
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Georgia Chapter 7 Means Test Amounts Updated for 2026
If you’re unable to meet your debt obligations, reaching out to a bankruptcy lawyer might start you on the path back to financial freedom. Many people in Georgia and across the United States opt for a Chapter 7 proceeding, which allows filers to discharge their nonexempt debts. This is a powerful solution, but is not Read More
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What Happens to HSA Funds in a Chapter 7 Bankruptcy?
Many Americans rely on a health savings account (HSA) to help address their medical costs. An HSA allows participants in high-deductible insurance plans to accumulate money that can cover various medical expenses. These accounts are portable and do not expire at the end of the year. When HSA funds are used for qualified expenses, they Read More
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Saving Family Heirlooms in a Bankruptcy
Chapter 7 bankruptcy gives people with serious money problems the chance to discharge their non-exempt debts and make a new start without being hassled by creditors. This can be life-changing for many individuals and families. However, there is the possibility that certain assets owned by a Chapter 7 filer will be liquidated. This means that Read More
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Chapter 7 Bankruptcy Filings Increase in First Half of 2025
Since the beginning of 2025, the news has been filled with stories related to America’s economy and the changes instituted by the new presidential administration. Though there is disagreement about the best way to proceed and we probably won’t know the true effects of new policies for quite a while, many people in the United Read More
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How Are Subscription Services Like Netflix Treated in a Chapter 7 Bankruptcy?
Over the last decade or so, many of us have shifted more of our budget to subscription services, where a fee is automatically deducted from our credit card or bank account, usually on a monthly basis. This trend is probably most associated with home entertainment and music providers, such as Netflix, Hulu Amazon Prime and 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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I had a great experience using Jeff Field and Associates for filing my Bankruptcy. Everyone was very professional and helpful. Connie Adams was so knowledgeable and patient with all of my questions I’m so glad that I chose this law firm and would r...
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Great experience from start to finish. The process was smooth and stress-free, and Ms. Connie was amazing throughout—very helpful, professional, and supportive. I truly appreciate all the guidance and would highly recommend this firm.
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