What to Know About HELOC Discharge after Chapter 7 Bankruptcy

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If you are facing financial hardship, bankruptcy can be an important tool to help you get back on track. With a Chapter 7 bankruptcy, any non-exempt assets are liquidated and used to clear debt. You may be worried about being able to keep your home if you file. Can a home equity line of credit … Read More

What the Homestead Exemption in Georgia Means

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The market is crazy right now. Some people are selling their homes for unbelievable gains, while others are still struggling to make payments. The worldwide COVID-19 pandemic has affected every area of life for just about everyone on the planet. Many people are still without jobs, a steady income, and a way to provide for … Read More

Divorce and Bankruptcy

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Financial troubles are one of the most common reasons for marital problems. In the last year alone, millions of Americans have faced the brutal reality of how a loss of income impacts their marriage and family. Unfortunately, when money stress becomes high, many marriages crumble. Divorce is stressful enough. It is draining on your emotions, … Read More

Thinking of a Short Sale? What You Need to Know.

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Right now, homes are selling at a fast pace. Many people are getting over their asking price for their homes because there is a shortage of homes on the market. Yet, with the fall-out of 2020 still lingering, many people who have lost their jobs and sources of income have defaulted on their mortgage payments. … Read More

What Leads to Bankruptcy: Four Common Causes

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Bankruptcy does not just happen overnight. While you may receive a bankruptcy notice, a harassing call from a creditor, or an eviction notice on a day you weren’t expecting it, this day was already in the works for a while. For people struggling with debt, past choices and unfortunate circumstances can put them in situations … Read More

Reestablishing Credit After Bankruptcy

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Despite the negative connotations of bankruptcy, it does not mark the end of your financial success. In fact, bankruptcy establishes a fresh start for individuals and families to move forward and make better financial decisions in the future. With the lessons you learn through filing for bankruptcy, you can apply that wisdom to reestablish your … Read More

Burdened by Overwhelming Credit Card Debt?

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In 2021, the majority of Americans are carrying an overwhelming amount of credit card debt. Credit cards provide an “easy” way to pay for large purchases and for shopping online. Due to the COVID-19 pandemic that caused many businesses to close their doors and people to refrain from shopping in public, shopping online has never … Read More

Student Loans: What You Need To Know

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A college education has long been the highest standard in education. Many young people, even today, are the first in their families to attend college. Yet, the cost of college is astronomical in our current society. And we are talking more than just the cost of tuition. Student loan debt is responsible for $1.53 trillion in debt … Read More

Don’t Let Debt Defeat You in 2021

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Money trouble is nothing new to most people, and saying that you’re going to “set high financial goals in 2021” sounds good. Yet, setting goals without a plan is really just wishing for things to happen. When it comes to financial goals, you need to be specific, have a plan, and follow through. 2020 was a year … Read More

What To Do About Creditors Harassing You

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Few things are more nerve-wracking and humiliating than calls from creditors demanding money. Feeling anxious every time your phone rings can leave you in a state of constant stress that can impact every area of your life. Attorney George Belche knows that many Georgians are still trying to figure out how to overcome the financial … Read More