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Mandatory Credit Counseling for Chapter 13

Before the 2005 law regulating bankruptcy was passed there was a glut of people taking advantage of the bankruptcy system. The 2005 law was put into place to make sure that people filing for bankruptcy...

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How does the Means Test Work?

The chapter 7 means test was instituted in 2005 but it is still causing quite a big of confusion. To simplify the process we will break the test down into 3 phases. Phase One In phase one your average...

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Recovering Credit after Bankruptcy

Once you have discharged your debts through bankruptcy, it is time to start the road to recovering credit after bankruptcy in Georgia. This is regarded as impossible by too many people which is why...

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Dealing with Collections FAQ

Do I deal with debt collectors head-on or avoid the phone calls? If one is truly broke, so broke your filing bankruptcy, there’s really no reason to pick up the phone. Yet, if that’s not the case, yes,...

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Bankruptcy Alternatives | A Few Good Ideas

Bankruptcy alternatives aren’t always obvious to those faced with the possibility of filing for Chapter 7 or Chapter 13 debt relief.  When the American economy took a downturn several years back there...

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