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Bankruptcy Archives

How do I know when to file for bankruptcy?

If you suddenly find yourself out of a job or with less income in the Rossville area, you might panic when you realize your debts are piling up. You may have also fallen behind on your mortgage and car note. Though you are working hard to keep up with the minimum payments, you need to know when it is time to throw in the towel and consider bankruptcy. 

How can I prevent issues with my bankruptcy case?

Filing for bankruptcy in Rossville is one of the most important decisions you might ever have to make in your life. Though it seems like a good solution for your current financial problems, you should not rush into it. In order for you to benefit from bankruptcy, you need a good understanding of the behaviors that lead to you being in this situation. 

Suggestions for overcoming the consequences of financial woes

Money can be highly sensitive in that it often takes a lot of time to accumulate and save, but can be lost exponentially faster with even the smallest missteps. Significant financial setbacks including bankruptcy, foreclosure and divorce among other things can take quite the toll on a person's financial reputation and stability in Georgia. While a looming sense of failure and shame often surround victims of such setbacks, overcoming the negative consequences of financial woes is doable and can even be rewarding when proactive efforts are made to make a change. 

How can I avoid having my wages garnished?

If you are getting ready to have your wages garnished in Rossville, chances are you have been struggling with your financial situation for a while. Your income is no longer enough to support you and allow you to pay off your debts. As a result, your creditors are no longer willing to wait to receive payments and are taking you to court. According to NerdWallet, in 2013, 13 million employees had their wages garnished. It is a very common problem that affects many people across the country. 

What does a bankruptcy trustee do?

Many people in Georgia believe that all they need to do to apply for bankruptcy is to file their paperwork. However, there are many more actions they must take to ensure their cases are handled correctly. One of the very first things that must happen when a person files for Chapter 7 or 13 bankruptcy is assigning the case to a trustee. 

How can I make my debt more manageable?

You may have a good career and make decent money in Georgia. But that does not make it easier for you to pay your bills. You might have lingering debts from a recent serious illness and have been struggling to catch up on payments. If you find that your debts are not going down and you are losing sleep due to creditor harassment and stress, it may be time for you to consider some options. 

Understanding the Chapter 7 means test

If you are one of the many in Rossville that is (for whatever reason) struggling with debt, then bankruptcy protection may be your best bet at halting the harassment you are having to deal with from creditors and providing you with a fresh start. A Chapter 7 bankruptcy allows you to discharge many eligible debts and re-establish yourself on firm financial ground. It is for this reason that Chapter 7 is typically the most requested filing option for those considering a personal bankruptcy. However, many clients come to is here at The Harriss and Hartnab Law Firm, P.C. expecting to file for Chapter 7, only to be surprised to learn that they first must pass a means test. 

New rules will limit credit report damage from medical debt

Did you know that over half the debt appearing on Americans' credit reports is medical debt? Unfortunately, a ding on your credit report can cost you in terms of credit rejections, additional interest and job or housing consequences.

What do you need to know about Chapter 7 bankruptcy?

Overwhelming debt can have a detrimental impact on your Georgia family. From dealing with harassing phone calls from creditors to juggling minimum payments, you may feel that you need a way out from your current financial situation. For you, the right way to emerge from your current difficulties may be by filing for bankruptcy.