Georgia Bankruptcy Attorney

Frequently Asked Questions

Can filing for bankruptcy save my home?

Each case is individual, but there are many possible options when you are facing foreclosure on your home.  Many individuals in the State of Georgia got caught in the sub-prime mortgage crash and now face mortgage payments that are impossible to handle.  When this is the case, a bankruptcy filing gives you the time and opportunity to handle the back payments as there will be a halt to collection actions for several months as the filing makes its way through the process of bankruptcy.  During this time, you can seek a loan modification or other solution to the problem of your mortgage.   It is critical that you get legal representation from a Georgia bankruptcy attorney to answer your questions with regard to this very important issue.  At Rickman & Blevins, P.C., the attorney will assist you in determining how to best move forward in resolving serious debt and mortgage problems.

Not all types of debt can be liquidated or discharged in a Chapter 7 bankruptcy filing.  However, many of them are.  For example, recent taxes, student loans, child support and alimony and also some types of court fees and fines cannot be discharged with a bankruptcy filing.  Credit card debt and overdue medical bills as well as many other types of debts are completely discharged.  This can make paying the bills that are ineligible for discharge easy to pay, as you will have so much more cash available if you are no longer paying a large number of your outstanding debts.  If you still owe on your car or home, there are solutions that could help you keep this property, and depending upon your circumstances, it can be determined when you talk to an attorney at Rickman & Blevins, P.C.

Won't bankruptcy ruin my credit for years?

Factually, if you are considering bankruptcy, you probably already have an issue with your credit, or soon will.  The advantage of filing for bankruptcy is that you NO LONGER OWE many of your debts and they will show a $0 balance on your credit report.  As there is such a large number of Georgia residents filing for bankruptcy, it no longer has the stigma it once did, and credit card companies usually begin making offers within a few months after the bankruptcy.  These are usually high-interest and low credit limit cards, but carefully managing your financial situation after bankruptcy can finally result in a repaired credit standing over time.

I got a notice that my wages are going to be garnished.  Is there anything I can do about it?

When you file for bankruptcy, there is an immediate halt to garnishments on your paycheck.  Through the bankruptcy process, the outstanding debt will be sorted out and you will have access to your whole paycheck.  This is one of the forms of relief you could receive after filing for bankruptcy.

What can Rickman & Blevins, P.C. help me with?

This reliable, understanding and affordable law firm is available to assist clients with the following types of advice and information:

• Bankruptcy Overview
• Chapter 7
• Chapter 13
• Bankruptcy FAQ
• Wage Garnishment
• Loan Modifications
• Short Sale/Deed in Lieu
• Foreclosure Defense
• Why Hire a Bankruptcy Attorney
• Benefits of Bankruptcy
• Alternatives to Bankruptcy
• Life After Bankruptcy

Contact a Georgia Bankruptcy Attorney from Rickman & Blevins, P.C. immediately if you are considering filing for bankruptcy or are seeking an alternative to bankruptcy to handle serious debt-related problems.  You will get the personal care and attention you deserve.

This outstanding firm serves the Metro Atlanta Area as well as Marietta, Acworth, Kennesaw, Smyrna, Powder Springs, Dallas, Atlanta, Alpharetta, Roswell, Sandy Springs, Douglasville, Lithia Springs as well as other areas in Cobb, Fulton, Paulding, and Cherokee Counties.