I represent individuals in Chapter 7 and Chapter 13 cases filed in the Northern District of Georgia, which includes Atlanta, Newnan, Gainesville and Rome. I publish several informative web sites, including https://www.atlanta-bankruptcy.com and an Atlanta bankruptcy blog, https://www.thebklawyer.com/thebkblog. Please mention Bankruptcy Law Network when you call.


Author: Jonathan Ginsberg, Esq.

17 Apr What Are My Responsibilities After My Bankruptcy Case is Filed?

As a consumer bankruptcy lawyer, I recognize that my clients will be nervous and stressed out about becoming bankruptcy debtors. Overnight a strange cast of characters will enter into their lives - a trustee, a bankruptcy judge, creditor lawyers. Furthermore, filing bankruptcy means giving up control - at least while the bankruptcy is open the trustee has oversight over any financial decision that the debtor wants to make - including such things as buying or selling a house or car, contributing to a retirement plan or even changing the budget.
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02 Apr How Do I Know If I Have Been Caught Up in Mortgage Fraud?

If you have followed the news recently, you may have read articles about mortgage fraud. Several "sub-prime" lenders are going out of business - in part due to mortgage fraud. More troubling, I have met with several potential bankruptcy clients recently who have gotten themselves caught up in some of these mortgage fraud transactions. In most of these cases, the potential client loses money, but in more and more cases, the potential client may find himself with possible criminal liability. Here's how one version of a classic mortgage fraud scheme works:
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26 Mar What Does It Mean to Have Judgment Filed Against You?

I received the following question about judgments from a potential client:

Are judgments considered secured debt? Or, are they only considered secured to the point of being a lien above and beyond any exemptions? Isn't a judgment simply a finding by the court that you owe a debt? I am particularly interested in how judgments are dealt with in a chapter 13. I'm trying to avoid filing a 13 while I wait to see what happens with my income (up or down), and I could feasibly live through a few months of wage garnishments if necessary. However, if judgments themselves create a problem, maybe I should just file?

My response: A judgment refers to a decision by a court that has been entered into the public record.
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14 Mar What Happens if I Lose My Job in the Middle of my Chapter 13 Bankrutpcy Case?

"I filed Chapter 13 bankruptcy about three years ago and last week I was laid off. I don't know how I can make my $395 per month trustee payment. Is there anything I can do?" In my Chapter 13 bankruptcy practice, I receive emails like this at least once every month or two. What should a debtor do if he loses his job and cannot make the trustee payment?
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