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: 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 …