Are the harassing phone calls from relentless creditors overwhelming you. Letters from your mortgage company threatening home foreclosure filling your mailbox. The fear of finding your car has been repossessed keeping you up at night. Wage garnishments taken out of every paycheck. The stress of being in serious debt can quickly become overwhelming. It can be difficult to know where to turn for help.
Diwan Law offers a shoulder to lean on for DeKalb County residents that stuck in debt. Our consumer bankruptcy attorneys have helped individuals and families find solutions for debt relief. If you find yourself struggling with how to pay day-to-day expenses, let alone past-due bills, we can help. We provide compassionate, respectful representation to clients throughout DeKalb County in communities including:
Atlanta, Atkins Park, East Atlanta, Edgewood, East Lake, Candler Park, Lake Claire, Morningside-Lenox Park, Kirkwood, Virginia Highland, Avondale Estates, Chamblee, Clarkston,Decatur, Doraville, Dunwoody, Lithonia, Pine Lake, and Stone Mountain.
In addition to eliminating a large portion of your debt, consumer bankruptcy can:
- Stop wage garnishment
- Halt any collection actions or lawsuits pending against you
- Suspend home foreclosure actions
- Stop motor vehicle repossession
If you are in debt and can’t seem to find your way out if it, don’t continue to struggle. Reach out to a bankruptcy attorney at Diwan Law Firm
Contact our DeKalb County law firm at 404-635-6883 to arrange your free consultation.
Bankruptcy- Cost and Payment Plan Many individuals in Atlanta, Georgia are in financial distress due to a variety of reasons. When they finally come to our office to seek a fresh start with a consumer bankruptcy, they often ask what will the bankruptcy cost me and how will I pay for it. The total cost of bankruptcy varies depending on your specific situation. Though the Diwan law firm offers very low rates, each case is unique and requires varying amounts of the san diego bankruptcy lawyer time, so we can not provide you with the exact amount until after meeting with you and reviewing your… read more
Chapter 7 Bankruptcy, Your Credit Score and New Loans Last week we wrote about credit reports and scores, and how lenders use the two to determine if they should grant people new loans, but what does Chapter 7 bankruptcy do to your chances of getting a new loan? When a consumer files for bankruptcy, that bankruptcy filing becomes part of the public record, and the credit reporting bureaus place it on the person’s credit report. This bankruptcy filing information will do some damage your credit score, but, if you planning to file for bankruptcy, your credit score is probably already severely… read more
Chapter 7 Bankruptcy and Your Credit Score – What Exactly is a Credit Score? When people in Atlanta, Georgia consider filing for Chapter 7 bankruptcy, they often ask their bankruptcy attorney about will affect their credit scores. Many people are afraid that filing for bankruptcy means that they will not be able to get a car loan, mortgage, or even a credit card, ever again. Relax. Bankruptcies are bad for your credit score, but they’re probably not as bad as you might think. Over the coming weeks, we are going to take a closer look at Chapter 7 bankruptcies and your credit score. To get started, let’s examine why… read more
Chapter 7 in Atlanta, Georgia – What is the Bankruptcy Trustee? When people in Atlanta, Georgia consider filing for bankruptcy, they often have a lot of questions for their bankruptcy attorney. Many of these questions surround the bankruptcy trustee. Who or what is the bankruptcy trustee? What does this person do if I file for Chapter 7 bankruptcy? While your bankruptcy attorney will be able to give you much more detailed answers these questions, let’s take up look at the basic role the Chapter 7 trustee plays in bankruptcy cases. Your Bankruptcy Filing When you file your Chapter 7 bankruptcy documents,… read more
Chapter 7 Bankruptcy: When The Means Test Doesn’t Apply in Chapter 7 Bankruptcy Evaluation. Last week we took a look at the important role that the means test plays in determining if you are eligible for filing for Chapter 7 bankruptcy protection in DeKalb County. This week we’re going to take a look at when you can still file for Chapter 7 even if you don’t meet the means test. There are three key exceptions that can allow you to apply for Chapter 7 even if you don’t otherwise qualify under the means test. Disabled Veteran Exception In some situations, a veteran who suffered a disability as a result of his or her service can… read more
Determining if Chapter 13 is Right For You Many people in DeKalb County who consider filing for bankruptcy protection want to know if a Chapter 13 bankruptcy is a good choice for them. Though no two situations are identical, Chapter 13 bankruptcy can be a good option if you meet some basic criteria. Let’s take a brief look at them. Determining if you qualify for Chapter 13 or Chapter 7 means determining your eligibility under the Means Test, which is a topics we’ll cover in more detail in a couple of weeks. Generally speaking, the key to the Means Test is determining if you are… read more
Are You Eligible for Chapter 7 Bankruptcy? Understanding the Means Test When people in Dekalb County, Georgia consider filing for bankruptcy, one of the first questions they ask their lawyer is if they qualify. Determining if you’re eligible for Chapter 7 is very important, and relies on evaluating your situation under the means test. What is the means test and how does it determine your eligibility for Chapter 7? Let’s take a look. The Chapter 7 Means Test Having trouble paying your debts is not enough to file for Chapter 7 bankruptcy. In most cases,in order to file, you must meet the means test. Here is… read more
Business Debts and Chapter 7 Bankruptcy People who file for Chapter 7 bankruptcy typically do so because they have run into difficulty paying back their personal debts, but what if their debts are business related? If your personal debts are primarily business debts, you still may be able to file for Chapter 7. How does this work? Let’s take a closer look. Personal and Business Debts Small businesses come in many shapes and sizes. Many small businesses owners choose to form a business structure that affords them specific benefits, such as a Limited Liability Company or a… read more
Chapter 7 Bankruptcies and Wage Garnishment in Dekalb County: Part 3 of 3 Anyone who lives in DeKalb County, or the greater Atlanta area,who has run into trouble with bills and is thinking about filing for Chapter 7 bankruptcy should take the time to consider whether this avenue is the right choice for you. While filing for Chapter 7 can often be a great benefit, there are some situations where it is not an ideal solution. In our third part about wage garnishments and Chapter 7 bankruptcies, we’ll look at what Chapter 7 cannot do for you.