Atlanta Bankruptcy Law Blog

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

Homeowners staying in their home even after missed payments

On behalf of Gingold & Gingold LLC posted in Foreclosure on Friday, April 3, 2015.

If you have fallen behind in your mortgage payments or have received a notice of foreclosure, you could be extremely concerned about whether -- and when -- you'll have to move. In some cases, homeowners or renters will just move out, assuming they have no other option or as a way to just move forward.

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Tags: Foreclosure

Dealing with credit card debt now can prevent future stress

On behalf of Gingold & Gingold LLC posted in Credit Card Debt on Friday, March 27, 2015.

If you ask just about anyone around you if they have a credit card, the answer will almost certainly be yes. People carry credit cards for emergencies, large purchases, secured transactions or because they are simply used to buying something on credit and paying for it later.

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Tags: Credit Card Debt

Are there limits to how much of my wages can be garnished?

On behalf of Gingold & Gingold LLC posted in Wage Garnishment on Friday, March 20, 2015.

If you owe money to creditors, one option they have to get that debt repaid is through a process called wage garnishment. Creditors may pursue this option if you have not responded to other types of request for payment, though they will still need a court order to intercept money paid by your employer.

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Tags: Wage Garnishment

Understanding both sides of filing Chapter 7 bankruptcy

On behalf of Gingold & Gingold LLC posted in Chapter 7 on Friday, March 13, 2015.

Filing for bankruptcy protection can provide consumers in Atlanta with an enormous sense of relief. It can wipe out debt, make it easier to pay bills and put a stop to the harassing and distressing stream of calls from debt collection agencies.

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Tags: Chapter 7

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

What options are available for people with underwater mortgages?

On behalf of Gingold & Gingold LLC posted in Foreclosure on Saturday, February 28, 2015.

A home is an extremely important asset to people all across Atlanta. For most homeowners, a house is the single most expensive thing they own and it can be a source of great pride and comfort.

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Tags: Foreclosure

When sources of debt are numerous, consider bankruptcy

On behalf of Gingold & Gingold LLC posted in Chapter 7 on Friday, February 20, 2015.

If you are buried under unmanageable debts, you may undoubtedly be stressed and scared about the future. Looking at the total amount of money you owe can be extraordinarily overwhelming and knowing where you should begin to deal with that debt can seem impossible.

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Tags: Chapter 7

Know your options if you are being harassed by creditors

On behalf of Gingold & Gingold LLC posted in Credit Card Debt on Thursday, February 12, 2015.

Being in debt is stressful enough for any person struggling financially in Atlanta; being harassed and abused by creditors can make the situation even worse.

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Tags: Credit Card Debt

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

Report: Wage garnishment for debts has doubled since 2007

On behalf of Gingold & Gingold LLC posted in Wage Garnishment on Thursday, January 29, 2015.

Financial strain takes a toll on Georgia families every day. As people try to recovery from the economic recession, debt continues to make this very difficult. In some cases, people learn that their wages will have to be garnished to repay debts, which only makes the pursuit of financial stability that much more of a challenge.

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Tags: Wage Garnishment

Debt issues start early for many young people

On behalf of Gingold & Gingold LLC posted in Credit Card Debt on Friday, January 23, 2015.

We have mentioned in previous blogs that debt is not typically something that accumulates all at once. People often struggle with a number of different financial challenges over the course of several months or years before money woes ultimately become unmanageable.

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Tags: Credit Card Debt