Bankruptcy, Foreclosure and the American Dream

During times like this more and more Americans have found themselves to be faced with the prospect of foreclosure or bankruptcy. American society puts a high value on owning a home and for many people it is a source of personal wealth and pride. For the many people who have been through the foreclosure process […]

Bankruptcy and Divorce: They often go hand in hand

Financial problems are often a source of major problems in a marriage. Many couples in Georgia have found themselves facing the prospect of divorce at least in part due to unsustainable debt or different spending habits. Many couples choose to file a Chapter 13 bankruptcy in an effort to save their marriages from divorce.  Unfortunately, […]

Living Paycheck to Paycheck? You’re not alone.

Despite the booming economy and record low unemployment, many Americans are unable to pay their bills and save for a rainy day.  In fact, only 29 percent of families have enough money saved to cover 6 months worth of bills in an emergency fund and a whopping 23 percent have no savings at all. A […]

Are unpaid medical bills keeping you up at night?

Medical bills are among the top reasons why people file bankruptcy. The Medical industry is rife with complaints about how charges are calculated and it has little transparency in how much each procedure will cost. Many Americans have no idea how much each visit to the doctor will ultimately cost and even less of an […]

Don’t let holiday debt get your 2019 off on the wrong foot

A lot of Georgians enjoy the holidays but for others it can be a bit of a season of mixed emotions. For many, it’s an opportunity for people to have extra time to spend with family members that they might not get to see often or to attend fun holiday celebrations with friends, co-workers and […]

What is foreclosure and what does it mean?

Foreclosure essentially means the process of repossessing real estate that the mortgage has fallen behind on to the point where the lender has reason to believe that you will be unable to catch back up.  Banks that complete the foreclosure process will list the home for sale in order to recover some or all of […]

Calculating Your Credit Score: Why does it matter?

Any business that relies on consumer lending (ie. banks, car dealers, mortgage brokers, etc.) need credit scores. Using them allows them to quickly decide if you are worthy of credit and if so, what your interest rate will be. Using credit scores is a quick and easy way for lenders to keep up their volume […]

How can a Chapter 7 Bankruptcy help me?

In a Chapter 7 Bankruptcy, if you are current with payments on your car, your home or other debt that is secured by collateral, you can continue to pay or those loans and keep your home and cars, boats, motorcycles or other collateral. You can pick and choose which debts you want to reaffirm and […]

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