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How to Decide Which Chapter of Bankruptcy to File: Chapter 7 or Chapter 13?

Once you've decided that bankruptcy is the right solution for your financial situation, you will need to decide which type of bankruptcy is most beneficial. While there are many different "flavors" of bankruptcy available, the two chapters…
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The Bankruptcy Process: What to Expect When you File Bankruptcy

Making the decision to file for bankruptcy can be daunting. Once you decide that bankruptcy is the right choice for you make sure that you understand the process from start to finish. When filing for bankruptcy, there are a number of steps…
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Taking Out a Loan While You Are in a Chapter 13 Bankruptcy Case

Most Chapter 13 cases will run the maximum 60 month term. The problem is, in 5 years, you may need to get a new car or repair your home while you are in the bankruptcy case. The court will permit you to incur new debt for personal, family,…
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Suspending Your Trustee Payments (Temporarily) While in Bankruptcy

A typical chapter 13 bankruptcy case requires that you make monthly payments to a chapter 13 trustee over the life of your plan. This plan could last anywhere from 36 to 60 months. Your plan may run less than that provided you pay off the debt…
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Credit and Bankruptcy: What Happens to Your Score?

 A common concern that many people have when considering filing for bankruptcy relief is how filing a bankruptcy will impact their credit score. While your credit score may be lower for a while, it is not permanent decrease in your credit…
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Title Pawn Loans in Bankruptcy: How Are they Treated?

A title pawn is a transaction where the title to a vehicle is transferred to a pawnbroker in exchange for a loan. The transfer is subject to the borrower’s right to “redeem” the title. Under the Georgia Code, the transaction is treated…
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Lien Stripping in Chapter 13 Bankruptcy

Lien Stripping in Chapter 13 Bankruptcy Chapter 13 provides the very powerful tool of "lien stripping", or removing second mortgages and home equity lines from a home. Chapter 13 bankruptcy allows such second mortgage loans to be stripped from…
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Authorized Users and Bankruptcy: What Happens On Credit Reports and What Can You Do?

One of the first questions I always ask my clients is are you an authorized user on anyone's account or vice versa.  Why? Although legally, an authorized user is NOT responsible for the credit card balances on the account, too many times…
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Getting A Car Loan While In a Bankruptcy Case

A very common situation that arises for our clients is the need to finance a car while still in a Chapter 13 repayment plan. During the three to five years that you're making payments on your Chapter 13 bankruptcy case you can't incur…
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Chapter 13 and Chapter 7 Bankruptcy: What is the Difference?

Whenever I do a new client consultation one of the first things I do is explain the difference between Chapter 13 and Chapter 7.  While the United States Bankruptcy Code provides for six distinct chapters of bankruptcy: Chapters 7, 9, 11,…