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Rossville Georgia Legal Blog

How long does it take to pay off a Chapter 13 bankruptcy?

Filing for bankruptcy carries a popular stigma that the filer was irresponsible with his or her finances. For this reason, many people do not want to be in bankruptcy any longer than they have to. Once bankruptcy is over with, they want to rebuild their credit as soon as possible. Anyone in Georgia who is considering filing for Chapter 13 bankruptcy should have a good idea of how long they will need to take to pay off their debts.

Bankrate.com gives a general time period of three to five years for paying off Chapter 13. The actual time period for paying off your debts will be determined by the current state of your assets and income as well as your regular expenses per month. You will not be paying off all your debt, only a certain amount determined by your financial status. Once an amount is determined, you will then make payments on a regular timetable until the amount is paid.

Is marijuana legal in Georgia?

With many states legalizing marijuana, it can sometimes be confusing to know where the law stands in your own state. If you wonder if marijuana is legal in Georgia, then the answer is that at this time it is not legal for recreational use, but it is legal for medical use in some cases, according to The Hill. The state joins many other states in the country that have legalized marijuana for medical use for chronic health conditions.

The state recently expanded the health conditions that are approved for medical use. Added were intractable pain and post-traumatic stress disorder. It is important to note that only conditions listed under the law are treatable with medical cannabis. You cannot use marijuana to treat something like a toothache legally.

How do I convince the SSA that I am disabled?

A major step for Georgia residents in applying for Social Security disability benefits is convincing the Social Security Adminstration (SSA) that they are disabled. However, sometimes the SSA will not be immediately convinced by the medical records that you send them. In this case, the SSA may request additional examinations to establish your disability.

First, the Social Security Administration’s website recommends that you go back to the original health care provider that examined you. This is the simplest and easiest option for many people. However, there may be conditions that invalidate using your original health care provider. For one thing, your provider may not want to examine you. You also might not want to use the initial provider for a certain reason. For instance, you may believe that the provider is not equipped to provide the examination you want, or you have problems with the productivity of your provider.

What to do if your workers' compensation claim is denied

Your workplace injury required time in the emergency room or urgent care facility. Perhaps you broke a bone, needed stitches or had to get an MRI for a head injury. Maybe your accident was more serious, and an ambulance transported you to the hospital where doctors admitted you for treatment and observation.

More than anything, you are eager to get back to work. Every day of your recovery is a day without pay, and the medical bills are beginning to arrive in the mail. You are counting on workers' compensation to cover those bills and make up for the days you were off work. Then you receive notification that your employer's insurance has denied your claim. What happens next?

The dangers you face when you work on or near scaffolding

If you, like many others, make your living working at Georgia construction sites, you probably know a thing or two about how to protect yourself on the job. Working in the construction industry involves inevitable dangers, and while new workers always face a high risk of injury, experienced workers, too, commonly suffer injuries on the job, many of which involve scaffolding. At Harris and Hartman Law Firm, P.C., we understand that catastrophic injuries often result from scaffolding accidents, and we have helped many Georgians who suffered injury on construction sites pursue what they needed to rebuild their lives.

According to Safety + Health, while working on or near scaffolding is always dangerous, so, too, is erecting these temporary work platforms. Many construction workers across the state and nation suffer scaffolding-related injuries throughout the erection process, but there are certain steps you can take to reduce your risk. Among the most important safety precautions you can take when erecting scaffolding involves always using level, load-supporting footings and properly utilizing plumb and brace equipment to prevent the platform from swaying.

Will banks and lenders always know I went bankrupt?

The end result of exiting personal bankruptcy is that you discharge debts that are crushing your finances and perhaps even come out still owning your Georgia home or vehicle, but now you wonder if your credit will forever be tainted by your time in bankruptcy. While you can expect your bankruptcy to remain on your credit report for some time, according to Nerdwallet, it is not permanent.

Basically, your personal bankruptcy will remain on your credit report for a period of years, but how long it lasts depends on the type of bankruptcy you have filed. If you had filed for Chapter 13 bankruptcy, your report will keep the bankruptcy on record for seven years after the filing. A Chapter 7 bankruptcy will remain on your record for even longer, for a period of ten years. Once the allotted timespan has expired, the bankruptcy record should be removed from your credit report.

How can I keep my pool area safe?

As summer rolls into Georgia, you may start thinking about getting your backyard pool ready for the season. Having a cool, wet place to go when the temperature rises is a welcome relief. However, it is your responsibility as the homeowner to ensure that your pool is a safe place. You have to not only watch out for the people you invite to swim but also you have to be sure to keep people you do not invite to swim safe, such as little children who may wander into the pool area.

According to the American Red Cross, one of the best ways to keep everyone safe is to ensure you have proper barriers around your pool. A fence is a good start, but it must not be something easy to climb over or through. It should have a locked gate and should be tall enough and solid enough that a child cannot see over or through it. In addition, you need to have barriers at the pool. This might be a safety device or alarm that goes off if someone or something gets into the pool. If you have an above ground pool, you should remove the ladder when it is not in use. This helps discourage anyone from getting in. 

How do I qualify for SSDI?

When you have a medical condition that makes it unable for you to work in Georgia, you may be able to collect Social Security disability benefits. As you may have heard, getting SSDI payments is not an easy process. The Social Security Administration has very strict rules about who can qualify for these benefits. 

The main rule, according to the SSA, is that you must not be able to work for at least one year due to a qualifying disability. The SSA has guidelines for what conditions qualify as a disability. The condition needs to be long-term and make you unable to do any type of work, even with modifications. There are some conditions that offer fairly easy approval, such as certain types of cancer or ALS. Other conditions may require more thorough consideration.

What are the differences between types of consumer bankruptcy?

For Georgia consumers, the decision to file for bankruptcy is not an easy one to make. It is a major financial and legal step, and it can have a serious impact on your future. However, there are cases in which it is truly the most beneficial option for a person. If you believe that bankruptcy is the best choice for your future, your circumstances will impact whether filing for Chapter 7 and filing for Chapter 13 will work in your best interests.

There are distinct differences between the two most common types of consumer bankruptcy. You would be wise not to guess about the right path for you, but take action to learn about your options and find out which one is truly beneficial for your future.

What are the categories of criminal charges?

If you are facing criminal charges in Georgia, it is essential that you understand the crimes you are charged with. You also must know what category of crime you are being charged with. The different categories of crimes will typically determine the sentence you could face and how a conviction may affect you for the rest of your life.

According to the University of Minnesota, the least severe crime is an infraction. This is something that is minor and does not carry a harsh sentence. Typically, if you are found guilty of an infraction, you will pay a fine or have to go through an alternative sentencing program.