Category: Business

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

One of the biggest fears people have when considering bankruptcy is losing everything — especially their home or vehicle. But here’s the truth: filing bankruptcy in Georgia doesn’t automatically mean you’ll lose your house or car. In many cases, you can keep them — depending on your equity, your loan status, and which chapter you

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 that the government owes you because you paid in more (usually withheld from your pay) than what you owe in taxes. Since someone else owes you money, a tax refund is an “asset” like your bank account or your car, and it must be disclosed in the bankruptcy petition.

April 15th is tax day, and believe it or not, that may be good news if you owe old tax debt and are considering filing bankruptcy. Contrary to popular belief, some old tax debt can be wiped out (“discharged”) in a Chapter 7, or paid a mere percentage in an appropriate Chapter 13. Tax debts become dischargeable in