Can Debt Collectors Legally Contact You in Atlanta?

One of the toughest things about not being able to pay your debts are the calls 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 are laws about how debt collectors may 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

Is It Hard To Get Approved For Bankruptcy In Georgia?

Medical debts, credit card balances, car loans and other debts can spiral out of control.  It can be overwhelming, stressful and it can happen to anyone. If you are unable to pay your debts, you are most likely eligible for bankruptcy. The bankruptcy attorneys at King and King in Atlanta can help.

Our experienced, professional bankruptcy attorneys understand your situation.  We can help you choose the option that is best for you.  We are here to help and will work with you to improve your financial future.  Even before your bankruptcy petition is filed, our attorneys can help stop all creditor harassment.

In a supportive way, we will help you understand your options, the process of filing for bankruptcy, and help lift the burden of financial uncertainty.  After bankruptcy you can expect:

· Peace of mind

· Renewed confidence

· A end to the calls, emails and letters

· A fresh start

· A promising future

Contact our office today to schedule your free consultation.  With offices in downtown Atlanta and Lawrenceville, we are able to easily accommodate our clients living anywhere throughout the Atlanta metro area.  Give us a call at (404) 524-6400 or visit us at www.kingandkingattorneys.com for more information.

What Happens After My Bankruptcy Discharge?

Here are a few tips for after your Atlanta bankruptcy attorney has completed your case and your debt has been discharged.

 

1. Review Your Credit Report

After two months your creditors should have made any necessary updates your credit report.  This is the perfect time for you to make sure that all your debt shows that it has been discharged via bankruptcy.  You should not expect to see any past due accounts.  If you do see any debt that shows you are late or missing payments you should dispute the item on your credit report and contact the creditor to make sure that they will report your account properly going forward. 

 

2. Rebuild Your Credit

Once you receive a discharge, you should consider opening a secured credit card and start establishing a payment history.  We frequently have clients who can rebuild their credit scores to 700 within a year or two after their bankruptcy case and move on to purchase homes.  Be diligent about rebuilding your credit after bankruptcy, you can bounce back quicker than you expected.

 

3. Don’t Be Afraid To Answer Your Phone

It is possible a creditor may not be aware that you filed bankruptcy.  If you get a call trying to collect a debt after your bankruptcy is finished make sure to inform them of your bankruptcy case.  In nearly all cases, you informing them of your concluded bankruptcy case will  stop all calls. Your bankruptcy attorney will have informed you of any non-dischargeable debt in bankruptcy such as child support, spousal support, taxes, student loans, and fines. You must keep paying any non-dischargeable debt. 

 

4. Enjoy Your Financial Freedom.

Enjoy the fresh start you have given yourself. You made a smart financial decision for your future.  Now that you have experience you can avoid previous pitfalls. However sometimes things happen in life and  turning to a real solution like bankruptcy can be the right choice.

 

If you need help our Atlanta bankruptcy attorneys know what you’re going through. Call King & King at 404-524-6400 today to schedule a free consultation.

Are Debt Collectors Legally Allowed To Contact You in Georgia?

One of the most troubling things about not being able to pay your debts are the calls and letters from creditors. When you have bills you can’t pay, you may start getting endless phone calls and letters requesting payment. This is normal, but there are laws about how debt collectors may behave.

No matter how deep in debt you are, you have legal rights. The Fair Debt Collection Practices Act protects you from unfair and harassing treatment from creditors and debt collectors hired to secure payment. Bankruptcy can also stop debt collectors from contacting you.

There are many different types of behavior that debt collectors may display that are actually against the Fair Debt Collection Practices Act. 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

How Does Wage Garnishment Happen In Georgia?

Dealing with debt can be one of the hardest things one has to face. While you have been saving to ensure you pay your bills on time, you might find that your wages are suddenly being garnished.

How Does Wage Garnishment Work?

Your creditor can get access to your wages or bank account to get a debt paid after a lawsuit has been filed and the court enters a judgment against you. Many times, people do not even know that they have had a judgment entered against them. The creditor can request the court to issue a turnover order to any entity that has control over any money owed to you (usually an employer or a bank).

There is a limit to how much a creditor is allowed to garnish from your wages, usually up to 25% of the employee’s disposable earnings. But in cases where your income and bills are around the same amount, the slightest deficit can make a huge difference. You may not be left with enough money to pay other bills like your mortgage, car payments, or utilities. Garnishment continues until the debt is paid in full with interest. It is a devastating way to have to repay a debt.

How Can Filing Bankruptcy Stop Wage Garnishment?

Filing for bankruptcy is one of the best ways to put an end to wage garnishment. When you file for bankruptcy, an automatic stay goes into effect as soon as you case is filed. This will prevent creditors from collecting money from your bank account and will stop a garnishment from coming out of your paycheck. They will not be allowed to call or contact you in any way. Bankruptcy renders the creditors zero power over your wages.

If you have received any sort of notification that a creditor plans to garnish your wages, immediately filing for bankruptcy can stop your money from being taken away.

At the law offices of King & King, we are ready to help protect you from wage garnishment, and help you get the fresh start you need. If you are concerned about your wages being garnished, talk to one of our bankruptcy lawyers by scheduling a free consultation at 404-524-6400.

3 Steps To Stop Wage Garnishment in Georgia Today

In Georgia, garnishment is not something that can happen overnight in most cases. In order to take a portion of your wages, your creditor needs an order from the court. To obtain this order, the creditor must first sue you for the debt, win the lawsuit and obtain a judgment. Having prevailed in the lawsuit, your creditor may then ask the court to allow your wages to be garnished. However, in some cases this may happen without your knowledge. Here are 3 steps to stop wage garnishment in Georgia.

1. Call King & King to schedule an appointment. We will see you as soon as possible and inform you of the next steps during your free consultation with a skilled attorney.

2. Bring your paperwork to the appointment. We will let you know in advance the paperwork we may need to stop your garnishment, so be sure to bring what you can.

3. We can file your bankruptcy the same day (business hours allowing) and contact your creditor and payroll department for you to stop the garnishment.

At King & King, we take the time to understand your needs and answer all of your questions. While we want to solve your problem quickly, it’s important that you are comfortable with the process, and understand how it will impact you. These thoughtful conversations enable us to ensure the best possible outcomes. Call King & King bankruptcy attorneys today at 404-524-6400 to schedule an appointment so we can assess your financial situation and recommend the best way for you to get your affairs back on track.

Should You File For Bankruptcy?

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?

• Out of control credit card debit

• Medical Debt

• 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

• Stop repossession

• Stop foreclosure

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.

Do You Get Out Of All Debts If You Declare Bankruptcy?

If you are struggling with debt in Georgia, you are not alone. Most people fall behind on their bills at some point in their lives. Don’t worry—you can get help.

Bankruptcy may be the answer to your problems. Speaking with an experienced attorney will give you a better idea of how bankruptcy can help your specific situation. Chapter 7 bankruptcy is a legal process that can remove most debts and give you a fresh start, but there are some debts you may have to set up a payment plan to pay off. 

The debts that bankruptcy can help with are known as unsecured debt. If you have these kinds of debts, filing bankruptcy will most likely wipe them out:

credit card bills
medical bills
utility bills
personal loans
stale tax debt
Broken leases

The rules are different for other debts, such as:

child support
alimony
recent tax debt
federally-insured student loans

Bankruptcy can also provide relief from your secured creditors, like for your home or for your car.  If you live in Georgia and are looking for a bankruptcy lawyer to help you get out from under your debt, call King & King at 404-524-6400 for a free consultation.  We will review your debt and guide you to the most effective bankruptcy to file. Begin your journey to a fresh start today.

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

If you have received a letter about a debt collection lawsuit in Georgia, do not ignore it. 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, there are 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.

Tips for Dealing with Aggressive Debt Collectors In Georgia

Federal laws prohibit collections agencies from engaging in abusive activities. But if debt collectors are not following the law and become too insistent, you should know that you have a legal right to make them stop. If your debts are becoming overwhelming, King and King can put a stop to debt collectors and give you a fresh start.

Debt collectors from collection agencies are prohibited from the following:

·         Calling repeatedly

·         Calling at unreasonable times

·         Use of obscene language

·         Threats of violence

·         Claiming that your debts are higher than they really are

·         Claiming that you’ll be imprisoned if you do not pay by a certain date

·         Adding illegal interest or fees

If debt collectors engage in any of those behaviors, you have a legal right to take action. The following are steps you can take if collection agencies are harassing you:

Tell them to stop. You have the right to simply tell collectors to stop contacting you. Send a letter to the collections agency asking it to cease all communication. Agency employees are then prohibited from contacting you.

Document illegal behavior. Document all violations. Record what happened, when it happened and if there were any witnesses. Try to have a friend or family member witness the harassment to testify on your behalf, if needed.

File a complaint with the Federal Trade Commission (FTC). The FTC oversees collection agencies. When filing an official complaint, include copies of all offending material you received, in addition to the name of the collection agency, name of the collector and the dates and times of the conversations. Lastly, send the FTC complaint to the creditor and collection agency.

Sue the debt collector. The final and most drastic option is to file a lawsuit against the collection agency. This is usually only a good idea if the behavior has been extremely harmful to you or your loved ones.

Filing for Chapter 7 or Chapter 13 bankruptcy will put a stop to all debt collection and give you fresh start. Call King & King today at 404-524-6400 for a free consultation. 

Should I File For Bankruptcy In 2017?

Bankruptcy can be an excellent way to get a fresh start and a brighter financial future. If your debt is holding you back from pursuing your dreams or even just living a normal, stress-free life, you may want to consider filing for bankruptcy in 2017.

Here are some things to consider as you make your decision.

What Debts Worry You The Most?

Bankruptcy is effective on most types of debts. Before you file, you will want to discover if you can find debt relief with chapter 7 or chapter 13 bankruptcy.

If you are primarily burdened by credit card debt, medical debt, or other types of unsecured debt, Chapter 7 provides an excellent option for completely eliminating your debt. Another perk is as soon as your attorney files your case, the debt collectors will have to stop contacting you and instead go through your attorney.

If you are more worried about secured debts such as your mortgage or car payment, Chapter 13 can help. Chapter 13 can bundle these payments together with any unsecured debts you may have, allowing you to make one single payment per month as part of a 3 to 5 year court-approved repayment program. At the end of the program you will have the rest of your unsecured debts cleared and still get to keep the majority, if not all of, your property.  In many of these cases, you pay 0% of the debt owed to unsecured creditors, and they are wiped out, just like in a Chapter 7.

If you have student loan debt, back alimony, child support, or back taxes less than 3 years old, contact King & King to see if bankruptcy is right for you.

King & King has been helping people in Georgia for almost 40 years. If you are ready to take back your financial future, call us today for a free consultation at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.

Can Bankruptcy Stop Debt Collectors in Georgia?

How Can Bankruptcy Stop Debt Collectors?

If you’re looking for relief from non-stop phone calls and e-mails from bill collectors you may be wondering how bankruptcy protection works. Bankruptcy can stop all collection activity.

When you file bankruptcy an “automatic stay” goes into effect. Debt collection attempts come to a halt. The action can stop foreclosure proceeding, stop repossession, and even stop wage garnishment and pending lawsuits. Debt collectors are prohibited from continuing collection attempts, if they continue without permission make note of the activity and present it to your bankruptcy attorney. They may be breaking the law.

If you qualify for bankruptcy you can have medical bills, personal loans, and credit card debt discharged or eliminated. You will not be responsible for paying them and creditors cannot continue to collect on them once the court has discharged them.

If you find yourself in a difficult financial situation, we can help. King and King can stop the harassing phone calls and put you on the path to financial freedom. Call us today at 404-524-6400 to discuss your options, your consultation is free, or visit us at www.kingandkingattorneys.com for more information.

Filing Chapter 13 Bankruptcy In Georgia

Chapter 13 bankruptcy has helped millions of Americans get out of debt. Chapter 13 allows you to pay back your creditors, and create a payment plan that works for you.  Chapter 13 can also allow you to keep your home as missed mortgage payments can be included in your payment plan. You can stop foreclosure and keep your home. Car payments can also be restructured and high interest payments can be eliminated. If this sounds like the right option for you, King & King can help you throughout the entire bankruptcy process.

Benefits Of Chapter 13 Bankruptcy

A few of the advantages of Chapter 13 bankruptcy:

Avoid foreclosure
Liens and wage garnishments stop
Stop Car repossession
Assets are protected
Refinanced mortgages can be stripped away from your primary mortgage

All secured and unsecured debt, including some student loans and taxes, can be consolidated into a payment that you can afford.

Chapter 13 Bankruptcy Petition

Filing the petition with your bankruptcy lawyer is the first step. Once your attorney files your bankruptcy petition with the courts, an automatic stay is put in place so that your creditors cannot try to collect debts from you. This means the harassing phone calls will stop as does wagegarnishment, repossession, foreclosure, and lawsuits.

When filing, you will need to provide the names and addresses of all of your creditors and financial liabilities including your car loan, medical bills, credit card debt, tax liabilities, student loans, child support payments, alimony payments, personal loans, and mortgage. Listing your income and all of your debts is considered in what is called the “means test” to ensure that Chapter 13 will work for you. Your attorney can help you navigate this process.

If your debt is unmanageable, you need a solution. King& King can help you wipe the slate clean so that you can start over and have a bright financial future. Call us for a free consultation today at 404-524-6400

Six Signs That You Should Talk To a Bankruptcy Attorney

At one time or another everyone experiences some financial difficulties. If you are running into any of these problems, bankruptcy may put you back on the path to financial stability.

•  You are unable to make the minimum payments on your credit cards.
•  You are taking out payday loans.
•  Creditors are calling you.
•  You are having trouble sleeping at night because you are worrying about money.
•  You are struggling to make car your payments.
•  You have missed a mortgage payment.

Even if you are only experiencing one or two of the events on the list, it is better to meet with a Georgia bankruptcy attorney sooner rather than later. Contact the attorneys at King & King for a free consultation. 

Your attorney will look at your entire financial situation, answer any questions you have, and inform you about your options. Call us at 404-524-6400 or visit us online at www.kingandkingattorneys.com

Top Five Reasons People In Georgia File For Bankruptcy

Most people who file bankruptcy do so as a last resort. After struggling to pay the bills left over from some life-changing experience, such as a divorce, the loss of a job, or serious illness, filing bankruptcy can be the best option. There are many reasons people declare bankruptcy aside from being broke. Here are the top five reasons people in Georgia file for bankruptcy.

1. TO KEEP THEIR HOUSE

Bankruptcy is a very effective way for people behind on their mortgage payments to keep their homes. Chapter 13 bankruptcy can actually stop a foreclosure and allow you to get caught back up on payments you have missed. The remaining payments are structured into a manageable payment plan allowing you to repay the amount you are behind on a schedule that works for you.

2. TO KEEP THEIR CAR

Filing bankruptcy can stop a car, truck, or other automobile from being repossessed. If you file bankruptcy before your car is repossessed or quickly thereafter, it can force the creditor to either let you keep your car or return it to you. Payments that have been missed will be consolidated into a Chapter 13 Bankruptcy plan. The payments will be made to the Chapter 13 Bankruptcy trustee who will pay the finance company on your behalf and force them to work with you.

3. GET RID OF MEDICAL BILLS

The unfortunate event of an accident or illness can cause bills to add up faster than one ever thought possible. Whether the bills are your own or those of a loved one, they can quickly take a toll on your finances. In order to get out from under the weight of medical bills, you can file for Chapter 7 or 13 Bankruptcy which will alleviate the burden of the bills significantly, or, in many cases, completely.

4. RECENT UNEMPLOYMENT

Most families plan on the income that they are taking in every month, and the loss of a job can easily put them in an uncomfortable financial position. It can be difficult to find a new job, and during the process it’s easy to rack up quite a bit of debt. Even when income eventually does improve, this is a difficult situation to get out of without the help of bankruptcy.

5. DISCHARGE OF DEBTS

Declaring bankruptcy allows people who owe more money than they will ever reasonably be able to pay back to creditors some additional options. All types of bankruptcy filings allow for at least part, if not all, of debts to be forgiven.

King and King can help you determine what debts you can discharge and if bankruptcy is right for you. Call us today for a free case evaluation at 404-524-6400 or visit us online at www.kingandkingattorneys.com

Debt Collection Help In Georgia

When you are being harassed by debt collectors, it feels like it may never end. Your voicemail is full from collection agencies that have been calling you day and night. They may even call your place of employment. At King & King, we can end abusive debt collection and help put you on the path of financial independence.

Knowing your rights is the first step to end the harassment. A debt collector is not allowed to do the following:

Debt collectors are not allowed to call before the hours of 8 am or after 9 pm.

It is illegal to say that they are law enforcement, or to say that they are a lawyer, if they are not.

They are not allowed to call repeatedly during a small time period, or to let the phone ring for an extended amount of time.

Debt collectors cannot call you at work if you have requested that they do not.

They are not allowed to threaten to arrest you or threaten you with physical harm of any kind.

It is against the law to threaten to garnish your wages or place a lien on your property unless they are actually within legal means to do so.

They may not use abusive language or swear words while communicating.

Debt collectors are not able to report false information on a consumer’s credit report, or threaten to do so.

Putting a stop to the calls

It can be a frustrating experience to deal with debt collectors. One of the ways to end creditor harassment and collection activities is to file for bankruptcy. Once you have filed, the collection agencies must cease all collection activities. Contact the Georgia bankruptcy attorneys at King & King for a free consultation to learn more about your rights and to discuss your legal options. 404-524-6400

Bankruptcy Can Stop Wage Garnishment In Georgia Immediately

If wage garnishment has started, you need help! Your paycheck is at risk until the moment we file your bankruptcy petition. Filing for either Chapter 7 or Chapter 13 bankruptcy will stop garnishment actions against you. Filing for bankruptcy will also discharge the underlying debts that led to the garnishment.

In Georgia, a creditor can garnish as much as 25% of your wages. Such a large amount can mean financial disaster, of course. If you have more than one creditor you are in trouble with, then a garnishment makes it likely you will default on all of them. It could even mean your house goes into foreclosure or you lose a car, if you cannot pay your bills. Then you may face being garnished on what remains of the car loan after it is auctioned.

Bankruptcy will stop your garnishment immediately. King and King may also be able to recover up to 90 days of wages that were garnished prior to filing.

Having your wages garnished can cause a huge strain on your finances and livelihood. Call our Georgia bankruptcy lawyers today for a free consultation. King and King can provide the bankruptcy relief and protection you need to get a fresh start. Call us at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information. 

How Can Filing Bankruptcy In Georgia Help Me?

Filing bankruptcy in Georgia can remove your credit card debt, save property from being taken by creditors, and much more.

Bankruptcy takes your financial situation and puts it under the protection of the federal bankruptcy court. Bankruptcy also can make it possible for you to:

   ·         Eliminate the legal obligation to pay most or all of your debts. This is called a "discharge" of debts. It is designed to give you a fresh financial start.

   ·         Stop foreclosure on your home and allow you an opportunity to catch up on missed payments.

   ·         Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

   ·         Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

   ·         Restore or prevent termination of utility service.

   ·         Pay debts over a longer period of time than originally planned.

Bankruptcy can give you the peace of mind of no longer being under a heavy debt load that you can't repay. Call King and King at 404-524-6400 for a free consultation and take control of your financial life today or visit us at www.kingandkingattorneys.com for more information.

4 Reasons Filing Bankruptcy In Georgia May Be Right For You

If you are unable to keep up with your bills, bankruptcy can help you achieve a clean slate and peace of mind. While there are definite benefits to bankruptcy, how do you know bankruptcy is right for you?

If you are considering bankruptcy, you should first consult a bankruptcy attorney to assess your unique financial situation, determine whether you qualify to file, and explain the process. Below are a few reasons filing bankruptcy may be your next step to a brighter financial future.

Overwhelming Debt

Unsecured debts include things like medical bills, credit card bills and broken apartment leases. Depending on whether you file Chapter 7 or Chapter 13 bankruptcy, these debts may be eliminated entirely or may be paid back little by little over time.

You risk foreclosure on your home

 A bankruptcy filing can stop you from losing your home and can clear away 2^nd mortgages in certain cases. Bankruptcy can prevent repossession of your assets as well. Motor vehicles, wedding rings and retirement accounts are examples of exemptions.

Your wages are being garnished

Bankruptcy will put an automatic stay on debt collection efforts taking any money out of your paycheck.

You are being harassed by creditors

As soon as a petition for bankruptcy is filed, creditors must stop contacting you immediately.

Bankruptcy will stop the debt collectors from calling, and help you to get the fresh start you need to get back on track.

Call King and King today for a free consultation at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.

Behind On Your Bills In Georgia? King & King Can Help.

When your bills pile up, so does the stress. This can be even more frustrating if you have been making all your payments on time in the past. You may find yourself in this situation due to a job loss, a sudden unexpected expense, or health reasons. Whatever the reason, you may be able to get your finances back under control. Here are a few tips:

1. Create a priority list

First step, prioritize your bills. The essential bills on top, entertainment towards the bottom. Try not to leave anything out; rank them in terms of importance. Clear these bills one by one before you decide to spend a dime anywhere else.

2. Don’t run away from your creditors

When you have too many bills to pay, avoiding your creditors may seem like an easy way to deal with them. However, ignoring calls from your creditors will not make them go away. Try calling your creditors and explaining the situation you’re in. They may actually give you more time to pay your debts.

3. Reduce your expenses

This may be tougher than it sounds. If you have any extras you can trim for your expenses, now is the time to do it, even if that means canceling Netflix. Every dollar counts when restructuring your budget.

If your bills have become uncontrollable, bankruptcy may be an option. King and King can help; call our office at 404-524-6400 for a free consultation today.