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.

What Should You Do If Your Wages Are Being Garnished?

Wage garnishment causes serious hardship and can make it impossible to get back on top financially. If your wages are currently being subjected to wage garnishment, bankruptcy could be a solution. King & King in Atlanta can help.

 

When can your wages be garnished?

A creditor must obtain a wage garnishment against you in court. Your creditor must then notify the sheriff’s office where you live and provide paperwork proving the ruling against you. The sheriff’s office will then contact your employer, who must garnish your wages.

 

Will I be told that my wages are going to be garnished?

In most cases you will receive a letter to attend the hearing about your debt or by receiving a letter that a creditor has won a judgment against you. If you miss notification by the court, you may be told by your employer.

 

What can I do if my wages are garnished?

Your creditor will continue garnishments until your debt is repaid if you do not act. One effective way to immediately stop wage garnishment is to file bankruptcy. When you file for bankruptcy, you get an automatic stay, which stops all collections, including garnishments. If the debt is charged off or otherwise addressed during bankruptcy, the garnishment cannot be restarted, even when the bankruptcy ends.

 

At King & King bankruptcy attorneys we have been helping people in the state of Georgia stop wage garnishment for over 40 years. Call us today for a free consultation at 404-524-6400. We can help you get the fresh start you deserve.

 

Wage Garnishment In Georgia? King & King Can Help.

If you are facing wage garnishment, it can be hard. If you’re already under pressure financially, the added pressure may mean you no longer are able to buy groceries or pay for essentials like gas to get to work. At King & King we understand and may be able to help you.

 

If a creditor is garnishing your wages, we can stop the wage garnishment with a bankruptcy filing. In some cases, we may even be able to recover some of the garnished wages after we file your case.

 

When you file for bankruptcy, an automatic stay goes into effect. Before a creditor can resume collection efforts, they must ask a court to lift a stay. The creditor must have a valid reason for lifting a stay. Most creditors would not be able to get the stay lifted. Therefore, your wages would be protected as you work your way through the bankruptcy court.

 

If your debt is discharged by the bankruptcy court, the creditor cannot resume garnishment to collect the debt. If your case gets dismissed without a discharge, the creditor can take steps to reinstate the wage garnishment following the dismissal.

 

If your garnishments were within a 90-day period prior to your bankruptcy filing, the amount garnished was more than $600, and you have enough exemptions to cover them, we may be able to recover and return some of the garnishment proceeds.

 

By working with your experienced King & King bankruptcy attorney, you can stop wage garnishments and reclaim your financial freedom. Call our office today at 404-524-6400 and find out how we can help you.

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.

6 Unexpected Benefits of Filing Bankruptcy In Georgia

You’re likely considering bankruptcy because you need financial relief. More to the point, you need immediate relief from debt collection pressures. You need long-term relief from having to pay debts you can’t handle. 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 six unexpected benefits of bankruptcy:

1. Get Back Money Recently Garnished By a Creditor

Through “preference” law, you could get back money that was recently garnished by a creditor. 

2. Undo Judgment 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.

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.

What Should I Do If My Wages Are Being Garnished?

What Should You Do If Your Wages Are Being Garnished In Georgia?

We understand wage garnishment causes serious hardship and make it impossible to get back on top financially. If you are currently being subjected to wage garnishment, bankruptcy could be a solution. Here are a few tips to help you stop wage garnishment.

When can your wages be garnished?

A creditor has to successfully sue you in court before they can obtain a wage garnishment against you. When that occurs, your creditor must then notify the sheriff’s office where you live and provide official paperwork proving the ruling against you. The sheriff’s office will then contact your employer, who must garnish your wages.

Will I be told in advance that my wages are going to be garnished?

In most cases you will know a wage garnishment is going to happen either by attending the hearing about your debt or by receiving a letter that a creditor has won a judgment against you. If you miss notification by the court you may told by your employer.

What can I do if my wages are garnished?

Your creditor will continue garnishments until your debt is repaid if you don’t take action. One effective way to immediately stop wage garnishments is to file bankruptcy. When you file for bankruptcy, you get an automatic stay, which stops all collections, including garnishments. If the debt is charged off or otherwise addressed during bankruptcy, the garnishment cannot be restarted, even when the bankruptcy ends.

At King & King bankruptcy attorneys we have been helping people in the state of Georgia stop wage garnishment for over 40 years. Call us today for a free consultation at 404-524-6400. We can help you get the fresh start you deserve.

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.

What Are Your Rights In Georgia If Creditors Garnish Your Wages?

You have rights in place to protect you from creditors trying to garnish your wages. To withhold wages, a creditor must first obtain a judgment against you and then obtain a court order to start wage garnishment. If you receive a notice of wage garnishment, it is crucial review the judgment to make sure all claims are accurate. There is a strict time limit in appealing the court findings.

Some forms of income like Social Security, worker’s compensation, public assistance, child support, and veteran’s benefits are exempt from garnishment as income in Georgia. However, these proceeds can still be attached once they reach your bank account through a non-wage garnishment. Understanding the impact of wage garnishment and how to protect your rights can be difficult. The bankruptcy attorneys at King & King can answer your questions and help protect your rights.

If you are facing wage garnishment, it can be overwhelming. If you’re already under pressure financially, seeing your wages garnished can lead to not having enough money to make ends meet. We understand and may be able to help. You can stop the wage garnishment by filing bankruptcy. In some cases, we may even be able to recover some of the garnished wages after we file your case.

If you are in danger of having your wages garnished, or your wages are being garnished, the bankruptcy attorneys at King & King  can help you protect yourself and get your finances back in order. Call us today for your free, initial consultation at 404-524-6400.

Facing Wage Garnishment In Georgia? King & King Can Help.

If you are facing wage garnishment, it can be overwhelming and quite scary. If you’re already under pressure financially, the added turmoil of seeing your wages garnished may mean you no longer are able to buy groceries or pay for essentials like gas to get to work. You don’t have to panic. At King & King we understand and may be able to help you.

If a creditor is garnishing your wages, we can stop the wage garnishment with a bankruptcy filing. In some cases, we may even be able to recover some of the garnished wages after we file your case.

When you file for bankruptcy, an automatic stay goes into effect. Before a creditor can resume collection efforts, they must ask a court to lift a stay. The creditor must have a valid reason for lifting a stay. Most creditors would not be able to get the stay lifted. Therefore, your wages would be protected as you work your way through the bankruptcy court.

If your debt is discharged by the bankruptcy court, the creditor cannot resume garnishment to collect the debt. If your case gets dismissed without a discharge, the creditor can take steps to reinstate the wage garnishment following the dismissal.

If your garnishments were within a 90-day period prior to your bankruptcy filing, the amount garnished was more than $600, and you have enough exemptions to cover them, we may be able to recover and return some of the garnishment proceeds.

By working with your experienced King & King bankruptcy attorney, you can stop wage garnishments and reclaim your financial freedom. Call our office today at 404-524-6400 and find out how we can help you.

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 7 Bankruptcy In Georgia

Chapter 7 bankruptcy is often referred to as a “fresh start” bankruptcy. The reason is most unsecured debts are discharged and you are left debt free. After your initial free consultation we can tell you whether you qualify for Chapter 7 or not. The good news is most clients qualify. Chapter 7 will also immediately stop collection harassment, wage garnishment and bank account seizures. Once we file your case, your creditors must stop any action to collect a debt from you.

To determine if you qualify we look at 4 important questions:

1. Your monthly income and expenses.

First we make sure you can pass the Means Test, which looks at your income over the past six months and then compares that income to a household of your size in Georgia. Most clients pass the means test. We also will review your specific income and expenses to ensure your budget qualifies you to file Chapter 7.

2. Assets.

We inventory and value your assets. We will review real estate, automobiles, and other personal property of high value. We then protect these assets by using the exemptions that Georgia bankruptcy law and federal bankruptcy law allow.

3. Creditors.

Your attorney will examine your debt and determine how each of your creditors will be affected by your bankruptcy case. Most debt – such as credit card debt, medical bills, unsecured loans, second mortgages, and payday loans can be completely wiped out.

4. Timing.

We will fast-track your bankruptcy case to be filed if you are facing garnishment, foreclosure, or some other legal action.

Struggling with debt can be overwhelming.  If you’re ready to get your life back, contact King & King and schedule a free consultation with one of our bankruptcy attorneys at 404-524-6400.  We can help you protect your home, your vehicles, and in most cases, everything else you own.

Stopping Wage Garnishment In Georgia

If you are struggling with debt, having money taken out of your paycheck can be a devastating setback. For many Georgians, wage garnishment is a hard reality. Filing for bankruptcy can make it stop.

At King & King bankruptcy attorneys, we have over 30 years of experience helping people through the bankruptcy process. Our knowledgeable attorneys are here to get you the fresh start you need.

You Can Stop Wage Garnishment Today

If you are facing creditor actions like wage garnishment and bank account levies, King & King can help. If you are behind on your loan, medical, or credit card payments, creditors may pursue a lawsuit against you. If successful, they will have the legal right to take up to 25 percent of your paycheck. This is a devastating way to pay a debt.  Also, creditors who have obtained a judgment against you may take funds out of your checking or savings account.

Filing for bankruptcy creates an "automatic stay," an action that stops debt collectors from taking action against you. King & King makes the "automatic stay” work for you and helps you keep every dollar of your paycheck and your bank account. Both Chapter 7 and Chapter 13 bankruptcy will protect you from wage garnishment and other creditor actions. Our attorneys will work with you to help you decide the best debt relief plan.

If you are ready to stop wage garnishment and get out of debt, we are here to help. Contact King & King today at 404-524-6400 to schedule a free consultation with an experienced lawyer. 

What Do I Do If I Have Been Sued Over Debt In Georgia?

If you have been sued over a past-due debt, you may feel overwhelmed. Fighting a legal battle against a debt collector can be time consuming and difficult, or simply impossible to win.  The good news is there are legal steps you can take that can stop the lawsuit. At King & King bankruptcy attorneys, we help people who are facing lawsuits and other creditor actions. Our attorneys are focused on making your debt relief goals a reality.

Does Bankruptcy Stop Lawsuits?

Bankruptcy can stop the lawsuit. Whatever stage the lawsuit is in — if you have just been served with papers, if it is already in court, if you have only been threatened with a lawsuit — bankruptcy creates what is known as an "automatic stay," a legal action that stops lawsuits and other creditor actions.

The automatic stay is very powerful and will put an immediate stop to:

Wage garnishment

Bank account levies

Home foreclosure

Repossession of automobiles

Creditor calls

If you have been sued for a debt, our bankruptcy lawyers are here to help you explore your debt relief options. We handle Chapter 7 and Chapter 13 bankruptcies for clients in Georgia. We understand the anxiety that comes with having a lawsuit brought against you. We will put our skill and experience to work for you to help you put an end to the lawsuit and achieve your debt relief goals. Call King & King at 404-524-6400 or visit us at www.kingandkingattorneys.com for a free consultation. 

How Fast Can I file For Bankruptcy In Georgia?

If you’ve found yourself facing a lawsuit, your wages are being garnished, your car is about to be repossessed, or even worse you receive a foreclosure notice, it’s not too late. When you contact King & King, we can take fast action to put a halt to those procedures.

We offer legal assistance that you can trust to get you out of debt and secure a clean slate. An emergency bankruptcy filing is done very quickly. Perhaps your home is in foreclosure and the sale is days away, or the repo man is circling the block. Certain forms must be filled out and filed quickly in order to create an “automatic stay.”

An “automatic stay” means that your creditors are informed immediately of the filing, at which time they must cease their attempts to collect their money or property.  This is a great reason to hire a qualified bankruptcy attorney. King & King has the efficiency and experience needed to take quick action on your behalf.

King & King bankruptcy attorneys can help stop foreclosure, repossession and wage garnishment, fast.

Your attorney will work personally with you to determine the best solution for your case. An emergency filing can stop your home from being foreclosed upon, or prevent your car from being repossessed. We will listen to you and guide you through the best option for handling your debt.

Call us today at 404-524-6400 for your free bankruptcy evaluation or visit us online at www.kingandkingattorneys.com for more information.

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.

What Are The Benefits of Filing for Bankruptcy In Georgia?

Are you concerned how filing for bankruptcy will affect your future?  If so you are not alone. Falling behind on your financial obligations can leave you feeling confused, angry and helpless. Whether you have lost your job, experienced an increase in your mortgage rate or are unable to work due to injury, bankruptcy can put your financial situation back on track.

 Below are some of the benefits to filing for bankruptcy in Georgia:

• Filing for bankruptcy will put an end to creditor harassment.  After you have filed for bankruptcy your creditors will not be able to contact you anymore.  In fact, after you have filed for bankruptcy you will never have to make direct contact with your creditors again.

• Filing for bankruptcy can stop foreclosure.  If you are facing foreclosure, you should speak with Mike about filing for Chapter 13 bankruptcy.  After filing for Chapter 13, an “Automatic Stay” will come into effect that will halt the foreclosure process.

• Filing for bankruptcy will put an end to wage garnishments.

• Filing for bankruptcy will put an end to repossessions.

• Filing for bankruptcy will eliminate the stress, anxiety, and frustration that have been weighing you down.

But perhaps the number one benefit of bankruptcy is the fresh financial start you’ll be given.  After so much time spent worrying how you will pay back your debt, you can finally move forward with a clean slate.

The attorneys at King and King understand how difficult it can be to deal with overwhelming debt. Fortunately, we also understand the options you have available to you to end your debt woes.

Call us today for a free consultation at 404-524-6400 or visit us online at www.kingandkingattorneys.com