R. Flay Cabiness, II, P.C. Georgia Lawyer Blog

how many times a day can a creditor call you

Dealing with debt can be stressful, and repeated calls from creditors only add to the pressure. Are you overwhelmed by frequent calls from debt collectors? Are you wondering how many times a day they’re legally allowed to contact you? Both federal and Georgia state laws protect consumers from creditor harassment. They laws ensure that debt […]

What Does the Bankruptcy Trustee Investigate?

what does the bankruptcy trustee investigate

Filing for bankruptcy is a significant financial decision that involves multiple steps and parties, including the bankruptcy trustee. The trustee plays a crucial role in the bankruptcy process, acting as an impartial administrator responsible for overseeing the case. One of the trustee’s primary duties is to investigate various aspects of your financial situation to ensure […]

Filing for bankruptcy can be daunting, often marked by financial stress and uncertainty. However, one of the immediate reliefs that bankruptcy offers is the automatic stay—a legal provision that halts most collection activities by creditors. Understanding when the automatic stay goes into effect can provide you with the peace of mind that the bankruptcy process […]

can I lose my house if I file for bankruptcy

Filing for bankruptcy can be a daunting decision. It’s laden with concerns about potential consequences, especially regarding one’s home. Many individuals worry that they will lose their house if they file for bankruptcy, but the situation is often more nuanced than it appears. If you own a home and you’re considering bankruptcy, what should you […]

How Can I File for Bankruptcy with No Money?

how can I file for bankruptcy with no money

For many people facing severe financial hardship, bankruptcy can be a lifeline. It provides a legal way to relieve debt burdens and start afresh. However, a significant concern for many is how to file for bankruptcy with no money. If you’re considering bankruptcy but you have no cash on hand, is filing still an option? […]

Are Trusts Protected from Bankruptcy?

are trusts protected from bankruptcy

When facing financial hardship, many individuals consider bankruptcy as a last resort to manage overwhelming debt. However, if you have assets in a trust, it’s crucial to understand how these might be impacted by a bankruptcy filing. What do you need to know if you’re considering bankruptcy and you have assets in a trust? Understanding […]

why is chapter 13 better than chapter 7

The primary decision when you file for bankruptcy for many is whether to file for Chapter 7 or Chapter 13. On the surface, Chapter 7 appears to be the simpler choice. It requires only a few months in the court system and offers a quick path to a mostly debt-free life. But as simple and […]

can I file for bankruptcy if I have a job

Bankruptcy is often seen as a last resort for people who are unable to pay off their debts. Contrary to popular belief, filing for bankruptcy is not limited to those who are unemployed or have no source of income. People with a job can file for bankruptcy and get relief from debt. However, it’s essential […]

Can Bankruptcy Stop Foreclosure?

can bankruptcy stop foreclosure

For many people struggling with debt, the risk of foreclosure is a very real possibility. Losing your home is an incredibly stressful and emotional situation, and it can feel like there’s no way out. However, if you’re facing foreclosure, filing for bankruptcy may be able to help you keep your home. Bankruptcy’s Automatic Stay The […]

bankruptcy filings

In the ever-evolving landscape of financial challenges, the world of bankruptcy is no stranger to fluctuations. The latest statistics released by the Administrative Office of the U.S. Courts reveal a notable 16.8 percent increase in total bankruptcy filings over the twelve months leading up to December 31, 2023. This surge, encompassing both business and non-business […]

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