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Peachtree City bankruptcy attorney writes about situations and issues that matter to those who need to file for bankruptcy, or those who just need some information about the process in order to make an informed choice.

The Other Attorney Says She Can File My Bankruptcy for $75.00

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The Other Attorney Says She Can File My Bankruptcy for $75.00

Many bankruptcy attorneys advertise that they can file your bankruptcy for $75.00.  Yes, they can.  However, did you know that unless they have you sign a new contract with them after they’ve filed your bankruptcy (and after they’ve filed, you don’t have to sign a new contract), you don’t have to pay them the rest of what they say you owe.   That’s right.  Because your future payments will be discharged in your bankruptcy, the law firm cannot try to collect on what you owe.  Many of these attorneys say they won’t go to your Meeting of Creditors with you if you don’t sign another contract.  Some judges look unfavorably upon attorneys who try to get out of representing their clients for the entire bankruptcy.   I don’t file your bankruptcy for $75.00.  I charge the full fee upfront.  I work for you for your entire bankruptcy.  Barring extreme illness or other unforeseen complications, I go to your Meeting of Creditors with you.  If I cannot go with you, I have a competent, experienced attorney go and I thoroughly brief them on your particular case.   You may see lots of ads for inexpensive attorneys.  Ask them what that fee covers and you may be surprised.  Some are not as inexpensive as they appear.   Call me to set an appointment for a no-cost consultation at...

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They’re Foreclosing on My House Today–What Can I Do?!?

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They’re Foreclosing on My House Today–What Can I Do?!?

Have you received a foreclosure notice? See a bankruptcy attorney now!

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Why Doesn’t My Attorney Call Me Back?

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Why Doesn’t My Attorney Call Me Back?

Returning telephone calls isn’t always as fast as our clients would like. Learn why.

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Christmas, Presents, and Bankruptcy

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Christmas, Presents, and Bankruptcy

This is a great article from Skiba Law Group, PLC, on bankruptcy after Christmas.  Read it here.   The photo here is the same one used on their page.

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Merry Christmas and a Happy New Year

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Merry Christmas and a Happy New Year

I won’t be posting over the holidays–everyone needs a vacation and this is mine.  I hope you all have a very Merry Christmas and a very happy and prosperous New Year.  If you don’t celebrate Christmas, have a very happy holiday season and enjoy yourself!

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What Do I Wear to My Meeting of Creditors?

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What Do I Wear to My Meeting of Creditors?

I’ve seen pretty much everything at this meeting, but what I recommend is business casual (khakis and polo shirt or button-down for men and slacks and a nice top for women).  I’ve seen shorts, muu-muus, suits, and cocktail dresses (that was me as I had a function to go to directly from this meeting).  I’ve not seen a swimsuit yet, but wouldn’t be surprised if it happened (if you do, please wear a cover-up over it).   This is a court hearing.  It’s not held in a court (yet) in our division; it’s held in a hotel, but will move to the courthouse January 1, 2015.  Please dress as if you were in court.  It’s a very brief hearing, but it’s a court hearing.   If you have beautiful, expensive jewelry or furs that you want to wear, make sure you’ve disclosed those items in your schedules.  Our jewelry exemption here in Georgia isn’t very generous, so if you wear that 4-carat diamond ring, make sure you’ve listed it on Schedule B with the appropriate value.   If you are a man and choose to wear a hat (baseball cap, golf cap, or the like), please remove the hat while you are at the table for your meeting with the...

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Do You Want Personal Bankruptcy Service?

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Do You Want Personal Bankruptcy Service?

Of course you do!  You don’t want to be just another case number; you want to know your attorney and you want your attorney to know you.   That’s what you get at RambeckLaw.  I am the only attorney; I work with you from start to finish.  I talk to you about your case when you have questions, I go over the documents with you, I appear at your meeting of creditors (barring accident or illness), and I represent you in any other issues that arise in your case.   Be a client, not a case number.  Call me at 770-631-2334 to schedule your initial appointment to talk with me about...

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Divorce Debts and Bankruptcy

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Divorce Debts and Bankruptcy

This post is not intended to be legal advice.  It is general advice for the State of Georgia only.  Please consult an attorney if you need to address this situation.   When couples get divorced, many times they assign who pays what debt in their settlement agreement. Many times the person assigned to pay that debt isn’t able (down the road) to pay it and has to file for bankruptcy.   In Georgia, in a Chapter 7, that person’s responsibility for paying that debt is discharged when they receive their bankruptcy discharge. However, their responsibility toward their ex-spouse, now that the ex has to pay it in full, is NOT discharged. The ex can be sued by the creditor for the full amount of the debt and the ex can turn around and sue the person who filed for bankruptcy, as most settlement agreements have an indemnification clause (meaning if they get sued because of something you did, you get to pay them for their costs).   In Georgia in a Chapter 13, that scenario is taken out of the picture. Chapter 13 in Georgia offers what we call a “super discharge,” meaning any debts in the nature of property settlement are extinguished upon the bankruptcy discharge. Alimony and child support are not dischargeable in bankruptcy in Georgia, so those amounts stay in...

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Can I Pay for My Bankruptcy with a Credit Card?

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Can I Pay for My Bankruptcy with a Credit Card?

You can pay for your bankruptcy with a debit card or with another person’s credit card, but not with YOUR credit card.  You shouldn’t use your credit cards for at least 90 days before you file for bankruptcy.  The credit card company can object to the discharge of debts incurred within 90 days of filing (longer, if luxury items).   Don’t run up your credit cards before filing for bankruptcy, either.  Same issue:  the creditor can object to the discharge of that debt and you’ll wind up having to pay it back.   Call my office to schedule a free consultation at...

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What is Schedule B in My Bankruptcy?

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What is Schedule B in My Bankruptcy?

Schedule B is a list of everything you own or in which you have an interest that isn’t real estate.  The bankruptcy trustee is looking for items that he/she can sell to pay your creditors.  Schedule B includes:   Your cash.  It could be in your wallet, in a jar on your dresser, or in the cupholder in your car.  The total value of all cash you have should be listed.  Your financial accounts, such as checking and savings accounts must be listed.  If you are a joint owner on an account with another family member, even if only for convenience sake (think mom or dad so you can pay their bills), you must list that, too.  If you’ve paid a security deposit for a utility or your rental home, that needs to be listed.   You need to include all your household goods and furniture, as well as books, art objects, collectibles, and pictures, as well as your clothing and jewelry, and any hobby equipment you own.   Insurance policies that have a cash value should be listed, as well as child support due to you and any tax refunds or other money that may be given to you in the next 180 days.  IRAs, 401(k)s, stocks, bonds, and any other investments must be disclosed.  If you own any copyrights or have customer lists that might be worth something to someone, those must be included.   Vehicles that you own (whether paid for or not) need to be listed.  It is how the vehicle is titled which matters, not in whose name the loan appears.  All vehicles are considered–cars, golf carts, scooters, motorcycles, boats, airplanes, trailers, and more.   Do you have animals?  The court wants to know.  If the dogs are breeding animals for which you make money, they need to know that.   Rule of thumb:  List everything you own, no matter where it’s located.   To make sure your bankruptcy is done right, I strongly recommend hiring an attorney.  If you’d like a free consultation, please call me at...

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