Category: Business

Updated for the Georgia law effective July 1, 2026. One of the biggest fears people have when considering bankruptcy is losing everything, especially their home or vehicle. Filing bankruptcy in Georgia does not automatically mean you will lose your house or car. What happens depends on the property’s equity, whether payments are current, which exemptions

If you’re considering bankruptcy in Georgia, one of the first questions you’ll face is: Should I file Chapter 7 or Chapter 13? While both types offer relief from debt, they serve very different financial situations. Let’s break down the pros and cons of each — and help you decide which path fits your goals. ⚖️

If you’re overwhelmed by debt in Georgia, you’ve probably heard about Chapter 7 and Chapter 13 bankruptcy — but how do you know which one is right for you? Both options are designed to help you get a fresh start, but they work in very different ways. At Newnan Bankruptcy, Attorney H. Brooks Cotten helps

If you’re facing wage garnishment, a lawsuit, or creditor harassment, you’re probably feeling trapped. You may be wondering if filing bankruptcy in Georgia can help. The short answer? Yes — bankruptcy can stop most garnishments and lawsuits immediately. Let’s break down how it works, what it can stop, what it can’t, and how fast the

When people think of bankruptcy, they often imagine wiping out all their debts and starting over with a clean slate. But the truth is — not all debts are treated equally in the eyes of the law. Some debts can be fully discharged (meaning you’re no longer legally obligated to pay them), while others survive

A tax refund is money the government owes you because more tax was paid or withheld than you ultimately owed. In a Chapter 13 case, what happens to that refund depends on the plan you filed and the terms of the confirmed plan.

Some older personal income tax debt may be discharged in Chapter 7 or treated as general unsecured debt in Chapter 13. The result depends on several dates, and all of the applicable timing requirements must be satisfied.