Are you struggling financially? Bankruptcy may be an option to help you get back on your financial feet – but you may be asking – when should you file for bankruptcy? It is a big financial step to take and it can be stressful, overwhelming and emotional. The Law Firm of Seymour and Associates, P.C….
Are you in dire financial straits? Are you considering declaring bankruptcy to help protect your assets and clear your debt? Georgia residents who are faced with the decision to file for bankruptcy may be asking – what are the differences between Chapter 13 and Chapter 7 bankruptcy – and we can help at the Law…
Dealing with debt is difficult and confusing. The most popular options to deal with it are bankruptcy or debt consolidation. Read the following for the facts, benefits, disadvantages and costs of both. The Facts of Debt Consolidation Getting started with debt consolidation means contacting a debt consolidation service and having them assist you with your debt. Debt consolidation…
What is a Chapter 7 Bankruptcy? Depending on your financial situation and your ability to repay your debt, you may want to consider filing for Chapter 7 Bankruptcy. In Augusta, bankruptcy is a common solution for individuals who are struggling to pay their bills. Individuals and married couples who have large amounts of personal debt, whether it…
It Is Essential To Know The Positive And Negative Sides Of Filing For Chapter 13 Bankruptcy Before people make big changes in their life, they sometimes like to create a list of positives and negatives to help themselves make an informed, logical decision. If you are thinking about filing for Chapter 13 bankruptcy in Augusta, this could…
Whether you are happy about the election results or not, the one thing most Americans can agree upon is a change is needed in Washington. One major challenge for individuals receiving social security benefits is the garnishment of their social security checks by the federal government for unpaid student loans. The government calls it an…
HAMP (Home Affordable Modification Program) expired on December 31, 2016. But, if you missed the deadline to apply for HAMP, don’t despair. Fannie Mae has rolled out the new Flex Modification program in the hope that more homeowners will avoid foreclosure and will be able to remain in their homes. The new Flex Modification combines the features…
If you think your social security cannot be garnished because of student loans think again! If your federal student loans are in default, a portion of your social security disability, retirement or survivor benefits can be garnished by the government to pay your federal student loans. According to a study published by the General Accounting Office (“GOA”)…
Families Affected by Military Star Card Collections One of the worst financial issues that families in Augusta, Georgia face is the garnishment of wages. Most of the time, an individual has warning that their paycheck is about to be garnished. In Georgia, an ordinary creditor would first obtain a judgment against you in court before garnishing your wages…
Many people worry about filing bankruptcy simply because they do not understand how it works. Bankruptcy is a federal court process which protects debtors from their creditors. Bankruptcy is a great tool to protect your home, car, money and to prevent your creditors from harassing you for payments. Bankruptcy, depending on the chapter, can either discharge or reorganize…
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