Monday, July 8, 2024

Finding the Right Bankruptcy Attorney in Atlanta

 

If your monthly bills are piling up and you now avoid answering the phone or checking the mail in fear of facing another creditor, you may consider the advantages of filing for either Chapter 7 or Chapter 13 bankruptcy so you can move on with your life with a brighter financial outlook. Filing bankruptcy can be a complicated process, and enlisting the trust of a qualified bankruptcy attorney is invaluable. He or she will take care of all the heavy lifting for you, so you can get back to your regular life — debt-free — as soon as possible.






Here are five things to look for in an Atlanta bankruptcy attorney:

1. Your Bankruptcy Attorney Won’t Force You to File
2. Your Bankruptcy Attorney Will Help You To Decide Which Chapter is Right for You
3. Your Bankruptcy Attorney Should Not Pressure You to File
4. Your Bankruptcy Attorney Will Listen to You
5. Your Bankruptcy Attorney Should Have Time For Your Case

If you are considering bankruptcy, you do not have to go through this process alone. Get a skilled and experienced attorney on your side by calling the Georgia bankruptcy lawyers of King & King today at 404-524-6400.

Friday, May 24, 2024

How Can I Stop a Lawsuit From a Creditor in Atlanta?

If you have received a letter about a debt collection lawsuit in Georgia, there is help for you. A lawsuit will not go away if you don’t do anything, and typically will result in a default judgment against you. If the creditor wins the lawsuit, without much notice to you, here are some of the actions they can take to recover the money you owe them.






Garnished Wages

Once a debt collector wins the lawsuit, they can garnish your wages. When a garnishment order is sent to your employer, you can expect them to withhold a portion of your wages and send the money directly to your creditor.  A wage garnishment is a devastating way to pay back a debt, and can quickly send your life into a financial spiral.


Your Bank Account Can be Frozen

The debt collector can also send the judgment to your bank to “freeze” your bank account. If your account is frozen, there are actions you can take to defend yourself. An experienced bankruptcy attorney can explain to you the next steps on how to “unfreeze” the account and keep your money.

 Bankruptcy May Be An Option

If you cannot afford to settle or fight the debt collector in court, a bankruptcy filing may be the best for you. Chapter 7 bankruptcy can eliminate most debts and provide you with a “fresh start.” Once a petition is filed with the Bankruptcy Court, any debt collection lawsuit (garnishment or frozen account) will be stayed. To find out if bankruptcy is right for you, call the offices of King & King for a free consultation today at 404-524-6400.

Wednesday, May 15, 2024

If I File Bankruptcy Can I Keep My Car?

Bankruptcy laws in 2024 allow you to keep your car, if your bankruptcy schedules exempt the equity value in your car and you keep making your payments in time during the course of the of your bankruptcy case. The exemptions necessary to keep your car are complex and must be filed properly. The experienced bankruptcy attorneys at King & King can explain the process and help you keep your car.





Most people can keep their cars in bankruptcy with little worry. Bankruptcy laws protect property that is needed to start over once your debt is wiped out. A car is one of the basic pieces of property you need to rebuild your credit, stay employed and take care of your family.
A big worry for most people considering bankruptcy is what will happen to their car. The purpose of bankruptcy is to give you a fresh financial start, and the law recognizes that to have a fresh start, a debtor usually needs a car to survive.

Of course, if your vehicle payments are unduly burdensome, you could stop making them, file chapter 7 bankruptcy, and any balance owed to the lender should be discharged.  Relief from the automatic stay will typically be granted to the lender upon the filing of a motion and, after entry of an order, repossession can quickly follow.


Call the bankruptcy attorneys at King & King today for a free consultation. We will help you to a brighter financial future 404-524-6400 or visit us online at www.kingandkingattorneys.com

Monday, April 15, 2024

What Happens After I File For Bankruptcy In Atlanta?

Considering filing for bankruptcy in 2024? Most people are unsure of the process and unsure of the outcome. The surprising fact is that most people are able to quickly rebound to get their credit and life back on track.



First we need to decide whether you file Chapter 7 or Chapter 13 bankruptcy. We treat every case as a unique case because each case is unique. We can help you get the facts about what your situation is when you speak with one of the lawyers at King & King. Your initial consultation is always provided free of charge.

What can bankruptcy can do for you?


To fully understand Georgia bankruptcy laws, and how they can impact your debt and improve your life, speak to the attorneys at King & King today by calling 404-524-6400 or visit us online at www.kingandkingattorneys.com

Thursday, March 14, 2024

Bankruptcy Can End Credit Card Debt

Bankruptcy is here to help remove the burden of debt and to give you a fresh start. In your initial consultation with the lawyers at King & King in Atlanta, we will discuss your financial problems and develop a solution just for you.




Many of the clients we speak with have been struggling for months or years to make minimum monthly credit card payments. The average credit card interest rate is over 20%. Paying the minimum payment, it can take you 10 years or more to pay off your debt. Filing bankruptcy in Georgia can wipe the slate clean so you can move forward.

Chapter 7 bankruptcy can wipe out all of your credit card debt and unsecured loans, including medical bills. A Chapter 13 bankruptcy will allow you to make payments based upon your monthly budget, and usually you only pay back just a small fraction of your debt. As soon as your bankruptcy is filed the threats of lawsuits and garnishment will stop immediately.

Filing for bankruptcy allows you to take control of your finances. Call 404-524-6400 and speak with an attorney at King & King for a free bankruptcy evaluation. We can help, call today.

Tuesday, February 27, 2024

Will I Lose My House and Car if I File for Bankruptcy In Atlanta?

When your case is filled correctly bankruptcy laws will usually allow you to keep your home and your car. The experienced bankruptcy attorneys at King and King can help.




For more than 30 years, King and King have provided quick debt relief for people just like you.
Our attorneys will clear up all of the myths surrounding bankruptcy. We separate the facts from the fiction and show you how to use Chapter 7 and Chapter 13 bankruptcy to stay in your home, keep your car or truck, protect yourself from wage garnishment and escape creditor harassment.

The state of Georgia allows its residence to protect a certain amount of property from loss to creditors in bankruptcy. The property you are permitted to keep is called “exempt property”. For example, each individual is allowed to keep household goods, some home equity, motor vehicles, wedding sets, guns and tools that you use for your job. Financial assets that are exempt include retirement benefits, pensions, and insurance policies.


King and King will help you determine what are allowed to keep, and make sure you keep what’s important to you and your family. Call us today at 404-524-6400 for a free consultation or visit us online at www.kingandkingattorneys.com for more information.

Monday, January 29, 2024

Is Filing Bankruptcy in 2024 Right for you?

 

At King & King, we understand that deciding whether or not to file for bankruptcy in Georgia is a very important decision to make. That’s why we recommend scheduling a consultation with a bankruptcy attorney who can analyze your specific facts and go over your options. If you are ready for a free consultation, call us at 404-524-6400 for help today. Here a few of the things to review when deciding to file for bankruptcy. 






What Are Your Debt Problems?

Credit card debit
Medical Debt
Car or home repossession
Foreclosure

What Happens If You Don’t Pay Your Debt?

Your creditors can put liens against your assets
Seize your bank accounts
Garnish your wages
Foreclosure
Repossession

What Happens If You File For Bankruptcy?
Stop all collections against you and your creditors will stop contacting you
Relieve the legal obligation to pay back your debts
Allow you to rebuild your credit
Remove liens against your property

Call the experienced bankruptcy staff at King & King to determine whether declaring a bankruptcy case would be in your best interest. King & King will evaluate your situation and determine if Chapter 13 or Chapter 7 bankruptcy is right for you. Call our office today at 404-524-6400 to schedule a free, confidential consultation to discuss your options, or feel free to visit us at www.kingandkingattorneys.com.