Absolutely not. Filing a case under either chapter 7 or 13 immediately halts all collection activity. We can stop the suit or the garnishment and protect your paycheck.

Yes you can. In a chapter 13, we can restructure your car note, usually at a much lower interest rate, and stop the repossession.

You can, but we have to hurry. The foreclosure sale, if completed, terminates all of your rights to the property. Recently, we have seen an increase in “foreclosure predators” in North Georgia. These are individuals and companies that target people in foreclosure. They will promise you that they can either a) refinance your loan; or b) find an “investor” to bring you current but let you keep your house. These are all scams. In virtually every case the predator waits until the last minute and then tells the homeowner that the financing fell through or that the investor wants to transfer title and pay off the mortgage. In either case the homeowner is left with the choice of foreclosure or letting the predators steal their equity.

If you are in foreclosure don’t gamble your home. File chapter 13 bankruptcy and put forth a reorganization plan. If refinancing is a viable option for you, do it after your case is confirmed.

Credit is important, and the truth is that your mail box will be full of credit card offers after your case is over. Credit cards can be useful for renting a car or making hotel reservations. Often debit cards work just as well. We recommend that you spend time with a qualified credit counselor in order to make wise financial decisions from this point forward.

Under Georgia Law you are entitled to one free copy of your report per year. The major reporting agencies are...

• Transunion
Web Site: www.transunion.com
Phone: 1-800-916-8800

• Equifax
Web Site: www.equifax.com
Phone: 1-800-685-1111

• Experian
Web Site: www.experian.com
Phone: 1-800-397-3742