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

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 […]

Should I File Bankruptcy for Credit Card Debt?

should I file bankruptcy for credit card debt

Credit card debt is one of the most common forms of consumer debt. High-interest rates, growing balances, and fees make it difficult for many people to tackle their credit card bills. For some, bankruptcy may seem like an attractive solution to their financial problems. But is bankruptcy the best choice for those struggling with credit […]

can I sue a debt collector for emotional distress

Nobody likes to be in debt. The constant harassment from debt collectors can make life even more difficult and stressful. For many people, the experience of dealing with debt collectors has been traumatic, to the point where it’s affecting their emotional well-being. If you’re one of those people, you might be wondering whether you can […]

Will Bankruptcy Ruin My Life?

will bankruptcy ruin my life

No one sets out on the path to bankruptcy with enthusiasm. Financial challenges are something nobody wants. But unfortunately, for some, it’s the only option. If you’re considering bankruptcy, you might wonder about its lasting impact on your life. The truth is that bankruptcy can have both short-term and long-term consequences. Understanding these consequences is […]

Can You Add Debt to Chapter 13?

Chapter 13 bankruptcy is designed to help people struggling with debt who want to repay their creditors over time. It requires you to create a repayment plan that lasts three to five years. Of course, life doesn’t always go according to plan, and circumstances can change. If you find yourself in a situation where you […]

Does Bankruptcy Clear Child Support Arrears?

does bankruptcy clear child support arrears

Financial challenges can often lead people to file for bankruptcy, which provides them with some relief from the overwhelming debts and financial struggles. One question many people have when they file for bankruptcy is whether it clears their child support arrears. The answer to this question is not straightforward. It depends on the type of […]

Is Alimony Dischargeable in Bankruptcy?

is alimony dischargeable in bankruptcy

Divorce is challenging in so many ways. Often, financial concerns are one of the most significant sources of stress in a divorce. When alimony payments add to the existing financial burden, the situation can become overwhelming. What happens when you pay alimony and must file for bankruptcy? Can alimony be discharged like other debts? Is […]

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