TheBKblog
Provides personal bankruptcy "tips and tricks."
Author: Jonathan Ginsberg is a lawyer in Atlanta.
Blawg Related Categories: Bankruptcy Law • Consumer Law • Solos/Small Firms • States • Georgia
Recent Posts from TheBKblog
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Can I Leave Selected Debts Out of my Bankruptcy Filing?
I get this question at least once a week - "I need to file bankruptcy but I don't want to include my [mortgage] [car loan] [debt to my brother] [credit card co-signed by my company]. …
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Why Tax Refunds Payable to the Chapter 13 Trustee Will Do Little to Decrease Your Plan Balance
At least two of the three Chapter 13 trustees in the Northern District of Georgia require a Chapter 13 plan provision which provides that any tax refund payable to the debtor during the term of…
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"Debt Settlement" vs. Bankruptcy
Although I am a bankruptcy lawyer, I tell everyone who visits my office for a consultation the same thing: "bankruptcy is a last resort - do not file for bankruptcy unless you have no other…
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Have You Had Any Success in Recovering from Bankruptcy?
I was recently interviewed by a national magazine about how my clients recover from Chapter 7 bankruptcy. Some of the tips I discussed during the interview included: asking a friend or relative to add you…
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If I Do Not Reaffirm My Mortgage in Chapter 7, Do I Automatically Lose Title to my House?
I have been getting a lot of questions recently about reaffirmation and about the consequences of not reaffirming a mortgage loan. I have previously written about the consequences of not reaffirming a mortgage debt. The…
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Pay Attention to Your Chapter 13 Payroll Deduction
In the Northern District of Georgia, every Chapter 13 case must be filed as a "payroll deduction order" case. In other words, you must fund your Chapter 13 with a payroll deduction. In my experience…
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Debt Negotiation vs. Filing for Bankruptcy
Over the past few months, my of counsel officemate Susan Blum and I have met with dozens of potential bankruptcy clients for whom bankruptcy may not be the best solution. While it may seem strange…
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Can I File Bankruptcy in Georgia if I Live Outside the United States
I was recently contacted by a potential client who wanted to file bankruptcy but lived outside of the United States. He lived and worked overseas, but owned property in Georgia. (...)
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Can a Small Business Owner File Chapter 7 Personally and Still Keep His Business
Over the past few weeks, I have received a number of calls from small business operators who want to file Chapter 7 on credit card debt, but continue to operate their businesses. In many of…
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Are You Responsible for Debt Incurred by Your Failed Business
In difficult economic times, I regularly hear from small business owners who have been forced to shut down because of low sales. (...)