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

Can filing for bankruptcy In Georgia wipe out my medical bills?

The answer is yes! Medical debt is one of the most common reasons people file for bankruptcy. Medical debt is almost always 100% dischargeable in bankruptcy.

Unfortunately, even people with health insurance find themselves with high medical bills. The judges in bankruptcy court are well aware of the difficulties this presents. In addition, when someone has high medical bills, it often means they also have had to take time off from work leading to more financial stress.

We can help. Even if you are current on installment payments or an insurance claim is pending, you may consider filing for bankruptcy to get the complete debt relief that is available to you. Medical debt collection stops as soon as you file your case. The bankruptcy attorneys at King and King will help you take these steps to become free of your medical debt. We offer a free case evaluation to answer your most pressing questions.

Our skilled Georgia bankruptcy lawyers can help stop the medical debt collection.

King and King has over 30 years of experience, and we are here to assist you in determining if filing for bankruptcy is the best solution for removing your medical debts. Please call us with your questions for a free initial consultation 404-524-6400 or visit is online at www.kingandkingattorneys.com.

Can Bankruptcy Stop Car Repossession?

Having a car is essential. The good news is filing a bankruptcy petition will immediately stop an auto lender from repossessing your car.

The bankruptcy attorneys at King and King will help you determine how you can keep your vehicle after bankruptcy. We will also help you obtain a fresh financial start, free of debt.

You Can Stop Repossession

Once you file for bankruptcy, the threat of repossession stops. Your attorney will discuss your options with you. These options may include:

Redemption — If you are underwater on your loan you can negotiate to obtain more favorable terms.

Ride through — Keep the vehicle and keep making your payments.

Reaffirmation — Renew your loan at the same terms.

Even if you are behind on your payments, we can help keep you in your car. Filing Chapter 13 bankruptcy allows you to repay your car loan slowly over three to five years, often with an interest rate much lower than what you already have. Filing Chapter 7 bankruptcy will give you the time you need to either get caught up on your payments or modify your loan. Your attorney will help determine which is the best option for you.

At King and King, we can stop repossession immediately and take the actions needed to help you get out of debt. Call us today at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.

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. 

I’m Facing Foreclosure In Georgia, What Should I do?

Facing a foreclosure is something that you never imagined would happen. For most people, foreclosure is often the result of circumstances beyond their control, such as a loss of a job or an unexpected illness. One solution may be to sell the property before the date of the foreclosure sale. This can be hard to do given the time constraints of a foreclosure. If you want to keep your home and find a way to get caught up on your payments, there is another solution.

You can stop home foreclosure and keep your home by filing a Chapter 13 bankruptcy. King and King bankruptcy attorneys can advise you on whether you should file for bankruptcy, and whether Chapter 13 or Chapter 7 bankruptcy is right for you.

Foreclosures under Chapter 13 Bankruptcy let you pay late payments over the length of a repayment plan, usually three to five years. The benefit of filing for Chapter 13 bankruptcy is that you get to keep your home and get current on the mortgage over time.

Chapter 13 bankruptcy can also eliminate the payments on your second or third mortgage altogether. Your attorney can help you file so the court may “strip off” the second and third mortgages and re-categorize them as unsecured debt. Under Chapter 13, unsecured debt takes last priority and often does not have to be paid back at all.

To find out more about how bankruptcy can help you stay in your home and get your financial life back on track, call King and King for a free consultation at 404-524-6400 or visit us at www.kingandkingattorneys.com

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.

I Need Payday Loan Help In Georgia

Payday loans are designed to help you pay your bills until your next paycheck. While these loans can be helpful in the short-term, they come with high interest rates and strings attached. The truth is most people get caught up in a never ending cycle of borrowing, the debt and interest add up, and they are unable to pay the loan back.

The good news is payday loans are considered unsecured debt. Unsecured debt is generally discharged in bankruptcy proceedings. Even if payday lenders include a disclaimer in their paperwork that states that the loan is not dischargeable in bankruptcy, payday loans are fully dischargeable.

Your attorney can better describe the benefits of Chapter 7 and Chapter 13 bankruptcy and which one is right for you. Below is a brief summary of the differences.

Chapter 7

Chapter 7 bankruptcy allows you to discharge debts without repayment.  Almost all unsecured debt is dischargeable.  Your payday loan is likely to be discharged, since it is not secured and is not a priority debt.

Chapter 13         

In a Chapter 13 bankruptcy, you repay certain debts using a repayment plan over time.  Payday loans are not paid back for most people in a Chapter 13.  They are simply discharged.

It is important for anyone filing for bankruptcy to know their rights and the additional benefits of Chapter 7 and Chapter 13 bankruptcy.  Contact King and King today for a free consultation at 404-524-6400. We will be happy to answer any questions about payday loans and bankruptcy and will help you get financially back on your feet again. www.kingandkingattorneys.com