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

What happens if you can’t afford bankruptcy payment obligations? Chapter 13 bankruptcy is a great way to get your finances in order after struggling to make ends meet. However, for some people, even filing Chapter 13 isn’t enough to get them back on track. If you’re having trouble making your payments, the first thing you […]

can I file bankruptcy without my spouse

Can you file bankruptcy without your spouse? The short answer is no, most people should not file for bankruptcy without their spouse. Bankruptcy is a legal process that can have serious financial implications for both parties involved, so it’s best to go through the process together. There are a few exceptions to this rule, however. […]

creditor harassment

If you’re dealing with creditor harassment, there are a few things you can do to try to put an end to it. 1. Cease and Desist Letter If you are being harassed by a creditor or debt collector, you may be able to stop the harassment by sending a cease and desist letter. A cease […]

benefits of bankruptcy

Filing for bankruptcy may seem like a scary proposition, but it can actually offer relief and a fresh start for many homeowners. If you’re struggling to keep up with your mortgage payments or are facing foreclosure, bankruptcy may be the best option for you. Here are three benefits of filing for bankruptcy when you own […]

What are Title Pawns?

title pawns

Title pawns or title loans are secured loans that use your vehicle’s title as collateral. These loans are typically short-term and have high-interest rates. If you default on the loan, the lender can repossess your vehicle. People use title pawns to borrow money without having to endure an invasive credit check or meet certain other […]

Tax Responsibilities of Shutting Down a Business

If you’re a business owner and you’ve decided to close, do you know the tax responsibilities of shutting down a business? There’s a lot to consider if you’ve decided to shut down your business. Doing so is a major decision and shouldn’t be taken lightly. However, it’s the best option for many business owners. Why […]

pro se bankruptcy

What does it mean to file bankruptcy “pro se”? Pro se, which is short for the Latin phrase propria persona means “for one’s own self” or “on one’s own behalf.” A pro se case means an individual is without attorney representation. The US legal system allows anyone to represent themselves. However, just because it’s an […]

hiding assets in bankruptcy

Someone filing for bankruptcy must be completely transparent about their financial situation. Failing to do so and hiding assets in bankruptcy leads to serious legal issues. It also destroys your chance of debt discharge and overall success when you file for bankruptcy. As uncomfortable and embarrassing as it might be, everyone filing for bankruptcy must […]

401k protected from bankruptcy

In most cases, your 401k is protected from bankruptcy. However, it’s important to work with an experienced attorney when filing because every state has different laws and exemptions. Bankruptcy protection doesn’t apply to all retirement savings. Bankruptcy laws are complicated and 401k savings and other assets. Working with an expert who understands the laws affecting […]

how to protect assets from bankruptcy

One of the biggest concerns people have is how to protect assets from bankruptcy when filing. Bankruptcy offers several benefits to those who opt to file, but these benefits are in exchange for turning control of assets over to the bankruptcy court and the trustee appointed to the case. The trustee has the power to […]

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