First time callers often ask, “How much does filing bankruptcy cost?” My answer usually surprises them because first I ask: What type of bankruptcy do you want to file? It’s important to know what you want to achieve. There are two kinds of bankruptcy to consider: Chapter 7 and Chapter 13. The prices are very different, and the goals these …
VALDOSTA BANKRUPTCY: FINANCIAL FEAR
Let’s talk about the big one—Fear. It’s miserable to be afraid. It doesn’t matter what form it takes. To be afraid is to be engulfed. It is a horrible way to live. I know; I’ve been there. And if you are reading this blog, then so have you. Let’s focus on what fear is and how it might be resolved. …
VALDOSTA BANKRUPTCY: HOW MUCH DOES IT COST?
First time callers often ask, “How much does filing bankruptcy cost?” My answer usually surprises them because first I ask: What type of bankruptcy do you want to file? It’s important to know what you want to achieve. There are two kinds of bankruptcy to consider: Chapter 7 and Chapter 13. The prices are very different, and the goals these …
VALDOSTA BANKRUPTCY: ONE SMALL STEP
As an attorney, one of the first things I ask potential clients is “What is your goal?” Do you want a lower car payment? Do you want to be free from credit cards? Do you want to get rid of any medical bills? Do you want to end the fear and stress of being harassed by creditors? Yes? Then do …
VALDOSTA BANKRUPTCY: What documents do I need to bring to my free consultation?
VALDOSTA BANKRUPTCY: QUESTION OF THE DAY What documents do I need to bring to my free consultation? Nothing. You don’t have to bring any documents to the initial consultation. This initial meeting is so that you can sit down with an attorney to learn what the different kinds of bankruptcy can do for you and to help you decide if …
VALDOSTA BANKRUPTCY: Do I have to list all of my creditors?
Do I have to list all of my creditors? Yes. When filing bankruptcy, you are required by law to list all of your creditors. In fact, you sign your schedules and statements under a penalty of perjury that they are complete and accurate. However, after listing all of your creditors, your bankruptcy may propose that certain creditors are treated differently …
VALDOSTA BANKRUPTCY: QUESTION OF THE DAY
Can bankruptcy stop a garnishment? Absolutely. Filing a bankruptcy imposes an automatic stay against most collection activities. This is the fancy way of saying it stops creditors from demanding payment, filing suit, garnishing wages, repossessing property, or trying to collect. There are some limited exceptions to this rule so you should always speak with a qualified local bankruptcy attorney. Remember …
VALDOSTA BANKRUPTCY: QUESTION OF THE DAY
How much are Chapter 13 attorney’s fees? The administrative order on attorney’s fees in Chapter 13 for this District states that the agreed fee shall not exceed $3250.00. Because most Chapter 13 plans are for 5 years, this is what you can expect to pay your attorney over that 5-year period. Usually this fee is included in the monthly plan …
Mistakes
“I hope that in this year to come, you make mistakes. Because if you are making mistakes, then you are making new things, trying new things, learning, living, pushing yourself, changing yourself, changing your world. You’re doing things you’ve never done before, and more importantly, you’re Doing Something. So that’s my wish for you, and all of us, and my …
Stop, Look, And Listen: Debt Consolidation
“The difference between the almost right word and the right word is really a large matter. ’tis the difference between the lightning bug and the lightning.” ― Mark Twain. Corporations are trying to sell us something under the name of debt consolidation. I can barely turn on my TV without an ad jumping out at me, filled with misinformation and …