Thinking about bankruptcy? The bankruptcy lawyers at King and King LLC in Atlanta, Georgia can help. Call 404-524-6400 for a free bankruptcy consultation.
If you have fallen behind on car payments,repossessioncan be right around the corner. Living without transportation can be challenging for you and your family. Filingbankruptcy can stop repossession. King & King can help.
Bankruptcy law in 2024 says that in both a Chapter 7 and a Chapter 13 bankruptcy, an “automatic stay” goes into effect as soon as you file. The “automatic stay” prevents creditors from continuing to pursue collection efforts against you while you are in your bankruptcy, including repossession.
It is possible to keep your carwhen you file bankruptcy. The key is to act fast and speak with a qualified bankruptcy attorney, such as King & King, at the first sign of financial trouble. The sooner you get a case number, the sooner collection calls and repossessions are put to a stop. We have the background you need to get a fresh financial start, and can help you organize your debts in a way that fits your budget. Call us today for a free consultation at 404-524-6400.
At King & King in Atlanta, we understand that deciding
to file for bankruptcy in 2024 is a very important decision to make. We are here to
help. Scheduling a consultation with a bankruptcy attorney who can analyze your
specific facts and go over your options is a great first step. 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 Does Your Debt
Problem Look Like?
• Out of control credit card debit
• Medical Debt
• Repossession
• Foreclosure
What Happens If You Can’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
• Stop repossession
• Stop foreclosure
Call the experienced bankruptcy staff at King & King to
determine if declaring bankruptcy would be in your best interest. King &
King will evaluate your situation and determine if Chapter 13 or Chapter
7bankruptcy 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. We can help.
One of the toughest things about not being able to pay your debts are thecalls and letters from creditors. When you can’t pay, you start getting endless phone calls and letters demanding payment. It's just too stressful. The good news is there arelaws about how debt collectorsmay behave.
No matter how deep in debt you are, you have legal rights and King & King can help. The Fair Debt Collection Practices Act protects you from unfair and harassing treatment from creditors. Bankruptcy will also stop debt collectors from contacting you.
If you are struggling with debt and facing financial stress, the last thing you need is harassment. Here are a few things debt collectors cannot legally do:
Debt collectors can’t threaten you with arrest or by taking action to harm your credit rating
Lie to you or misrepresent who you are talking to in an attempt to secure payment
Share your personal information about your debt with anyone else, such as your employer or family. However, they can contact your family to locate you
Call you before 8 am or after 9 pm, based on your time zone
Call you at work, provided the debt collector is aware your employer doesn’t approve of these phone calls
Harass, oppress, or abuse you
Falsely imply that you have committed a crime
Use unfair practices in an attempt to collect a debt
Conceal his or her identity on the phone
Disregard a written request from you to cease further contact
When you file for bankruptcy, an “automatic stay” goes into place. This stops all collection efforts, including calls from creditors. Call King & King to schedule a free consultation to learn more about how this process works.
You don’t have to endure creditor harassment. Filing for bankruptcy can free you of your debts and give you a brighter financial future. Call us today at 404-524-6400
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.
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.
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
Consideringfiling for bankruptcyin 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?
You can improve your credit after filing bankruptcy.
After your debts are discharged through bankruptcy, you can start saving money and planning for the future.
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
Bankruptcy is here to help remove the burden of debt and to give you afresh 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.
When your case is filled correctly bankruptcy laws will usually allow you tokeep your homeandyour 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.
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
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.
If you need long-term relief from having to pay debts you
can’t handle King & King can help. Bankruptcy provides both immediate and
long-term relief. Filing bankruptcy in Georgia can give you immediate and
long-term relief from your creditors.
Bankruptcy can often also give you some other rather amazing
benefits, beyond the basic relief you expect. Here are just a few benefits of
bankruptcy:
1. Recently Garnished By a Creditor? You may get money
back.
Through “preference” law, you could get back money that was
recently garnished
by a creditor.
2. Undo Liens on Your Home
Through judgment lien “avoidance” you can often
permanently remove
a judgment lien, a tremendous practical benefit.
3. Reinstate Your Driver’s License from Failing to Pay
Tickets
Reinstate your license if it’s been suspended for unpaid
traffic infractions.
4. Get Back Your Just-Repossessed Vehicle
Filing bankruptcy not only prevents vehicle
repossession. You may be able to get your vehicle back after it has been
repossessed. But, you must act quickly.
5. “Cram down” and Change the Payment Terms of Your
Vehicle Loan
If your vehicle loan is more than two and a half years old,
you may be able to reduce both your interest rate and the amount you have to
pay back on the loan. You can reduce the total amount to the value
of the car, not the outstanding balance on the loan (often much
higher). This is called “cram down.”
6. Get Out of Your Vehicle Lease through Bankruptcy
Leasing is often an efficient way to have a vehicle
short-term, but is actually usually the most expensive long-term. Bankruptcy
can be the best way to get out of this expensive obligation.
If you are thinking about filing bankruptcy, the first thing
you need to know is that you’re not alone. The compassionate and experienced
bankruptcy lawyers at King & King will help you through the bad times and
plan for much better times. Call us at 404-524-6400 for a free consultation
today or visit our website at kingandkingattorneys.com for
more information.
