Atlanta Bankruptcy Law Blog

Debt can be tackled by repaying it through Chapter 13

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Thursday, May 14, 2015.

Too many people have misconceptions about bankruptcy. They think that a person who files for bankruptcy is irresponsible and just wants a quick and easy way to get out of paying their debts. However, bankruptcy is something that all kinds of adults have to consider thanks in large part to factors like the recent recession, increasing medical expenses and soaring student loans.

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Tags: Chapter 13

What is credit counseling, and do I need it?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Wednesday, April 8, 2015.

Filing for bankruptcy protection is not necessarily as simple as filling out a few forms and submitting them to the courts. In fact, there are several steps a person needs to complete before he or she even files bankruptcy-related paperwork.

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Tags: Chapter 13

Can I Refinance My Home After Chapter 13 Bankruptcy?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Saturday, April 4, 2015.

In the past several years, many people have been able to take advantage of low interest rates on home loans to help reduce their monthly financial obligations. People who have previously filed for bankruptcy protection under Chapter 13 may be wondering if there is any way they can improve their financial situation further by refinancing their homes.

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Tags: Chapter 13

Is Chapter 13 right for you?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Thursday, March 5, 2015.

If you have reached a financial crossroads and are earning an income but unable to get out from under mounting debt, then you may be considering your options for filing for bankruptcy protection. If you are in this situation, the first thing you need to know is that you are not alone. Millions of people across the U.S. seek out debt relief in the form of bankruptcy.

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Tags: Chapter 13

Buried under debt? Seeking help can be crucial

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Friday, February 6, 2015.

Your personal finances are a private matter. You probably don't go around discussing your earnings, investments, bills and debts with people unless you are very close to them. When your financial outlook is not so good, you are even less likely to openly talk about money.

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Tags: Chapter 13

Will I lose everything by filing bankruptcy?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Wednesday, November 12, 2014.

Mounting debt can mean mounting worries and fears for people across Georgia. One source of this anxiety stems from the fact that many people do not understand what their relief options are and how the different options can achieve different goals.

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Tags: Chapter 13

Can I lose everything if I come up short on Chapter 13 payments?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Thursday, October 9, 2014.

Bankruptcy is not a walk in the park. It is possible for a person to file for the protections that are available under Chapter 7 or Chapter 13 of the bankruptcy code, but chances are you've never gone through it before. Mistakes can be made that delay the final discharge of your debts. And where there is complexity, there are questions for which it may be difficult to find clear answers.

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Tags: Chapter 13

Student loan relief can be found, but not from 'debt demons'

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Thursday, July 31, 2014.

What led Woodward and Bernstein to discover the secrets of the Watergate Scandal was the Deep Throat admonishment to "Follow the money." Today, one of the most scandalous activities the country is witnessing may be the proliferation of student loan settlement companies. And if you want to know why that is, all you have to do is remember Deep Throat's advice.

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Tags: Chapter 13

Student loan lenders have long reach, even beyond bankruptcy

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Friday, May 9, 2014.

When it comes to bankruptcy and its ability to provide a person a path to financial security, the issue of student loans tends to stand apart. Unlike other unsecured debt, student loans aren't typically discharged through a Chapter 7 bankruptcy.

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Tags: Chapter 13, Chapter 13 bankruptcy

Chapter 13 bankruptcies continue to be common in the South

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Wednesday, January 15, 2014.

Sometimes in life people run into money problems and need debt relief. Filing for bankruptcy, including Chapter 13, is a big decision that comes to those who are facing tough financial challenges.

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Tags: Chapter 13, Chapter 13 bankruptcy, debt relief, financial challenges

When can you file for bankruptcy for the second time?

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Saturday, August 31, 2013.

Earlier this week, we discussed the reasons behind Sindbad's second bankruptcy filing, and a couple weeks ago we discussed the second bankruptcy filing of Toni Braxton. These blog posts may have made Atlanta residents wonder about the rules for filing for bankruptcy a second time.

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Tags: Chapter 13, Chapter 13 bankruptcy, debt relief, fresh financial start

Bankruptcy options for small business owners

On behalf of Gingold & Gingold LLC posted in Chapter 13 on Friday, August 2, 2013.

Here in the Atlanta area there are a number of small businesses. Sometimes these ventures thrive for many years, and other times, unfortunately, small businesses do not make it. When a small business decides to close its doors, business owners are often faced with tough decisions about how to resolve financial issues.

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Tags: Chapter 13