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A couple stresses over their money problems

Life's financial curveballs can arrive unexpectedly and sideline you from paying bills, settling debts, and meeting your basic needs. When experiencing financial adversity, filing for bankruptcy can help you achieve debt relief and get the financial fresh start you deserve. A knowledgeable Georgia bankruptcy attorney can review your financial situation and help you decide which chapter of bankruptcy is right ...

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Frustrated woman with documents in her hands

Filing for bankruptcy can help individuals and families going through financial distress achieve the financial relief they need so that they can start fresh with a clean financial slate. However, choosing bankruptcy as a debt relief option may impact various aspects of your life, including your assets, finances, credit report, and future interest rates.

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Couple looking at a document

Bankruptcy is a scary word. Many people think it means losing everything and starting over with zero, but that’s not the case. A Chapter 13 filing generally lets you keep everything. Even a Chapter 7 liquidation plan allows for generous exemptions so that you can often keep your home, your car, and other personal belongings.

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Couple looking at documents, worried about the future

If you are considering bankruptcy as an option to eliminate your debt, you are making one of the most important decisions of your life. These types of decisions are best made by being educated and informed.

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Credit Report with a 760 score

It is true that a Chapter 7 or Chapter 13 bankruptcy will appear on your credit report for years, but that does not necessarily mean filing for bankruptcy is the wrong choice. It could be the only way you can get back on firm financial footing when you are struggling with debt.

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Person holding a smart phone

In 2019, more than 45,000 individuals in Georgia sought protection from creditors through bankruptcy filings. What led them to take this path other than the seemingly insurmountable amount of debt they're facing? Often, it can be to stop the seemingly endless harassing phone calls and letters from creditors.

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Close up of a man using a calculator and writing numbers into a spreadsheet at a desk

Student loan debt in the United States now totals $1.5 trillion, with the average post-graduation debt reaching $29,800. According to the Federal Reserve Bank of New York, almost 11 percent of all student loans are at least 90 days past due.

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Coins, a calculator, a piggy bank, a compass, and a magnifying glass sitting on top of a financial report

In 2019, nearly 43,000 Georgia residents filed for Chapter 7 or Chapter 13 bankruptcy, seeking a fresh financial start for themselves and their families. Most of them didn’t make the decision to file easily. Even when debt is managed and cleared, bankruptcy leaves behind a poor credit score for years.

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