Georgia Bankruptcy Law Network

Georgia Bankruptcy Law Network

Bankruptcy Questions Answered by Georgia Bankruptcy Law Professionals

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Can I Choose To Pay Someone Back After My Bankruptcy Discharge?

You have filed and completed your Chapter 7 or Chapter 13 Bankruptcy case, and finally received your all-important discharge.  Unless you have very unusual circumstances, you did not officially reaffirm any of your debts in your case.  However, now you have thought about it and you want to pay back a certain pre-petition debt that… Continue Reading

Federal Student Loan Forgiveness Program For Borrowers With Disabilities

The U.S. Department of Education recently announced a new process to identify and assist borrowers with disabilities who may be eligible for Total and Permanent Disability (TPD) federal student loan discharge.  More information about qualifications and the application process can be found by clicking here.  You can also read the April 12, 2016 Press Release… Continue Reading

Never Buy A Car At “Buy Here/Pay Here” Car Lots!

You see the signs all over the place.  “BUY HERE PAY HERE!”  “NO CREDIT CHECK!!”  “APPROVED!!”  “BAD CREDIT OK!!”  This is an awesome deal for people with poor credit, such as people just out of a Bankruptcy case, right?  These companies provide a good service and help people rebuild their financial lives and give them… Continue Reading

Atlanta-Based Debt Collector, Zenith Financial Group, Shuts Down

The Governor’s Office of Consumer Protection recently shut down Zenith Financial Group, a Metro Atlanta-based collection agency.  As part of the agreement, Zenith agreed to cease collections on $3.1 in purported debt. Zenith was accused of violating the Georgia Fair Business Practices Act by threatening consumers with arrest or imprisonment and concealing that its collectors… Continue Reading

“Strategic Default” – A Popular, But Meaningless, Buzzword?

A term that has become popular in the real estate crisis of the last few years is “strategic default” (or “strategic foreclosure“).  The theory behind the term is that the borrower is defaulting on a loan because of a financial “strategy” rather than an inability to pay.  With the decline in housing prices many people… Continue Reading