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When declaring bankruptcy, where do you start and what do you bring?

There’s a right and wrong way to handle any situation. For example, this is the wrong (but hilarious) way to declare bankruptcy.

If you’re getting calls from collectors, falling behind on mortgage or car payments, or just curious about your legal rights to eliminate or manage your debt, the right thing to do is GET A FREE CONSULTATION FROM AN EXPERIENCED ATTORNEY. The starting point is a phone call.

The lawyers with Perrotta, Cahn & Prieto offer free consultations. Our phone number is (770) 382-8900. We can meet with you at your convenience in any of our offices. We have offices located in Cartersville, Calhoun, Dallas and Dalton.

Make sure to bring a list of bills, or the bills themselves. If you’ve been sued, bring the lawsuit.

We have a worksheet that you can print and fill-out. The worksheet covers almost every question and issue that we need to guide you in the right direction.

Finally, make sure to bring your last-filed tax return, and all pay stubs you and your spouse have received in the past 60 days.

Your consultation is confidential and free. We give you INFORMATION and OPTIONS. We help empower you to protect your property, and get the fresh start you deserve.

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

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Rebuilding your credit after bankruptcy

A bankruptcy discharge is the formal order entered at the successful completion of the case.  The discharge is your ticket out of bankruptcy and the beginning of a fresh financial start.

Building and maintaining good credit after bankruptcy is critical to a fresh start. The higher your credit score, the lower your interest rate on credit cards, mortgages and auto loans.

No sooner than 4-months after receiving your discharge, but no later than 9-months after discharge, your first step should be to secure a copy of your credit report to see where you stand. You are entitled to one free credit report per year from Equifax, Experian and TransUnion, and you can get it easily by going to www.annualcreditreport.com or calling 1-877-322-8228.   Beware of other web sites that sound “free,” because they probably require you pay a fee or enroll in a monitoring service at a cost.  The only service that I’m aware of that’s absolutely free (no strings attached) is www.annualcreditreport.com.

Once you get your report, check it for accuracy: you will be surprised how often mistakes show up.  The bankruptcy case should say “Discharged” (not “Dismissed”).  Each account that was discharged should say “Discharged in Bankruptcy.”  Conversely, any account that was reaffirmed should say “Account in Good Standing” if you’re current.  Verify that each creditor listed is actually one you either use or have used in the past, and dispute any errors – including old or outdated addresses.

Tips to rebuilding and maintaining good credit

  • Open a checking or savings account. Having a financial history will help you secure a loan.
  • Pay your reaffirmed or post-bankruptcy bills on time; take advantage of auto-pay to avoid late-fees.
  • Keep balances as low as possible on “revolving credit” (i.e., credit cards).
  • When possible, pay off debt instead of transferring it to low-interest rate cards.
  • Don’t open lines of credit you don’t need.
  • Protecting your credit from identity theft is another pro-active way of maintaining good credit; if your identity is stolen and fraudulent charges appear, it will take some time to straighten it all out.

Tips on protecting your credit

  • Guard your mail from theft by shredding it before discarding it – especially mail containing personal information, including charge receipts, credit offers and applications, insurance forms, doctor’s statements, discarded bank checks and statements, and expired credit cards.
  • Be protective of your personal information.
  • Be cautious when giving out your credit card number, address, or other personal information. When possible, only share this information with reputable organizations.
  • Never carry your Social Security card. Leave it in a secure place at home or in a safe deposit box if you have one.
  • Use secure online purchases (https://) whenever possible, and look for graphic images of a lock and key at the bottom corner of your browser or the words Secure Sockets Layer (SSL).
  • Avoid using your card as identification. Thieves can use this information to assume your identity and open bank accounts, make purchases – even get a job or apartment using your identity. Only use your credit card at recognized and reputable merchants.
  • If you suspect fraud, contact the bank that issued your card and have them put a “credit freeze” on your account. A credit freeze will flag your account and make it difficult for would-be-thieves to open a new line of credit under your name.

Tips if you are a victim of identity theft and fraud

  • If you suspect fraud, the first thing to do is place a Fraud Alert on your credit file. This alert will stay in place for 90 days and will require creditors to verify your identity before issuing credit in your name.
  • If you have already been a victim of fraud, fill out an Identity Complaint Form with the FTC and have them place an extended fraud alert on your credit file which requires all creditors to actually speak with you before issuing credit. The extended fraud alert stays on your file for 7 years.
  • Repairing your credit will take time. It’s similar to building your credit from scratch – but more challenging since the blemishes from the past will be on your file for a while.

Tips on improving or repairing your credit

  • Pay your bills on time. The length of time you’ve paid your bills timely impacts your credit score.
  • Get current on all your accounts. If you are behind, creditors will send your accounts to collectors and this will negatively impact your credit file.
  • If you fall behind on payments, contact the creditors or see a credit counselor and let them know your situation. This will give you a chance to work something out with the creditors – possibly delaying reports of delinquencies to the credit agencies.
  • Get your credit report a few times a year to monitor your progress. Although it takes time to raise those scores, watching them rise should serve as motivation to reinforce these new habits.

Disputing Errors on your Credit Report

If your credit report does not accurately reflect accounts discharged in bankruptcy, or other material information, it’s important to send a dispute letter to all 3 bureaus ASAP.   Under the Fair Credit Reporting Act (FCRA), the credit bureau is required by law to correct any disputed items within 30-days.  Here’s a sample dispute letter:

Date Your Name Your Address Your City, State, Zip CodeComplaint Department Name of Credit Bureau Address City, State, Zip Code

Dear Sir or Madam:I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Your name

Enclosures: (List what you are enclosing)

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

How do I pick a bankruptcy lawyer or attorney?

How do I pick a bankruptcy lawyer or attorney?

“You want an experienced attorney.  You don’t want somebody that just started practicing bankruptcy law.   There has been so much change and there is so much information under the umbrella of bankruptcy law that you need someone that’s been doing it for a while.  I can say I’ve been a bankruptcy lawyer, doing exclusively bankruptcy work, for over 17 years now.  I think I’ve seen almost every aspect that a case could present so I know how to deal with problems; I know how to see them before they come up and take measures before the case is even filed to prevent the case from being contested or a problem case.”

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

What is bankruptcy?

Bankruptcy laws were formulated to give the honest debtor a fresh financial start. However, bankruptcy is not intended to give debtors an unfair advantage over their creditors. This requirement comes from the United States Bankruptcy Code, Title 11 of the United States Code, and it is not intended to protect the debtor who has acted in bad faith in an attempt to defraud creditors. The United States Bankruptcy Code is broken down into Chapters. Chapter 7 and Chapter 13 cases are most frequently filed by individual debtors with consumer debts, while Chapter 11 cases are most often filed by businesses as a means to restructure debt.   Perrotta, Cahn and Prieto are among the leading bankruptcy attorneys in North Georgia and with offices in Cartersville, Calhoun and Dalton, we are convenient to your home or business. If you prefer to closer to your office, we have locations as well in Atlanta and Dallas.

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

Pre and post bankruptcy filing activities

Pre-bankruptcy Counseling

A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person, on the phone, or online. The counseling organization is required to provide the counseling free of charge for those consumers who cannot afford to pay. If you cannot afford to pay a fee for credit counseling, you should request a fee waiver from the counseling organization before the session begins. Otherwise, you may be charged a fee for the counseling, which will generally be about $50, depending on where you live, the types of services you receive, and other factors. The counseling organization is required to discuss any fees with you before starting the counseling session.

Once you have completed the required counseling, you must get a certificate as proof. Check the U.S. Trustee’s website to be sure that you receive the certificate from a counseling organization that is approved in the judicial district where you are filing bankruptcy. Credit counseling organizations may not charge an extra fee for the certificate.

Post-Filing Debtor Education

A debtor education course by an approved provider should include information on developing a budget, managing money, using credit wisely, and other resources. Like pre-filing counseling, debtor education may be provided in person, on the phone, or online. The debtor education session might last longer than the pre-filing counseling – about two hours – and the typical fee is between $50 and $100. As with pre-filing counseling, if you are unable to pay the session fee, you should seek a fee waiver from the debtor education provider. Check the list of approved debtor education providers at www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm or at the bankruptcy clerk’s office in your district.

Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling. Check the U.S. Trustee’s website to be sure that you receive the certificate from a debtor education provider that is approved in the judicial district where you filed bankruptcy. Unless they have disclosed a charge to you before the counseling session begins, debtor education providers may not charge an extra fee for the certificate.

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

Does filing bankruptcy mean I can’t get a loan for a car or a home?

During the bankruptcy period, does that preclude me from buying a house or a car?

No, not at all.  Lenders know that you’re not likely to run out and file another bankruptcy and they know you don’t have a whole lot of debt.  So, you are actually a good candidate for another loan.  Right after bankruptcy is done, you’re going to qualify for a car loan.  You gotta shop around and make sure you’re getting the best interest rate out there, but you can get a car loan.  If you want a house, it may take you two years before you get back in those great interest rates again, but give it two years and you may be eligible for FHA financing at conventional rates.

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

How do I know I am a candidate for Bankruptcy?

“You have to look at your income.  You have to look at your assets.  Do these assets have equity?  Does they equity fit within the amount of equity that you are allowed to keep under Georgia’s exemptions?   And that’s a lot of information.  But we can tackle that information quickly at your appointment.”

Brian Cahn, senior partner with Perrotta, Cahn and Prieto, P.C.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

Identity theft can lead to filing bankruptcy

Identity theft is a leading cause of financial distress. This is an ever-growing problem, not just here in the United States, but also around the world. Identity thieves are finding it easier every day to obtain the personal information needed to open bank and credit accounts. In most cases, the person that owns that identification is put through a traumatic period, trying to disprove those debts.

There are three specific areas to address when trying to prevent identity theft: deterrence, detection and defense (which may involve seeking relief through bankruptcy). Bear in mind that being successful in the first area will likely eliminate your need for the second two.  Our focus today is on deterrence.

DETERRENCE
There are so many different ways that scammers can obtain information about you that it would be difficult to cover them all. What is important is that you reveal as little about yourself to strangers as possible. Here are a few areas that require particular attention:

  • Lock your mail box – mail boxes are one of the easiest to target. A simple lock will slow them down.
  • Shred any unwanted document – while your mail box may be the first target, your rubbish is the second. If you have documents that have personal information, shred them before tossing them. If you deal with someone else’s personal information, shred it before tossing it.
  • Avoid online forms – before filling in an online form, check the credentials of the site asking for the information. In most cases, they don’t really need the information so keep it simple.
  • Passwords – regularly change passwords and make them as complex as you are comfortable with. Whatever you do, don’t write the password and login on a post-it note and stick to your monitor – you would be surprised at how many people do – especially in the workplace.
  • Avoid telephone inquiries – the telephone has also become an easy way to target you for personal information. Be wary of any telephone call, for example, that suggests you have won a prize. Get their phone number and suggest you’ll call back.
  • Be wary of emails – if you receive an email requesting you to visit a site to verify and correct information – be careful. Check the URL to be sure it is going to the right place. Most creditable online businesses will not ask you for your login or password information – they already have it.

The common theme running through each of the above is to reveal as little as possible about yourself. If you do feel that someone has obtained information about you and that you may be at risk, check out the FTC’s latest FAQ on identity theft.

If you are suddenly being harassed for overdue credit amounts that you haven’t incurred, consult an attorney. You may be able to avoid a serious battle with credit providers if you act early. It is also wise to request an annual credit report. These are free and will list all credit activities made in your name. Again, if there are serious discrepancies, seek out help early.The FTC has further information on this action as well.

Identity theft is a leading cause of bankruptcy – don’t let it happen to you.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

LEADING GEORGIA BANKRUPTCY ATTORNEYS (BY VOLUME) – 1st Quarter 2012

The following list, compiled by a company called 722 Redemption Funding, shows the volume of cases filed by Georgia attorneys with a minimum of 10 cases filed in the 1st quarter, 2012:

ATTORNEY / LAW FIRM                    CITY               # OF CASES FILED

E L CLARK CLARK AND WASHINGTON, PC ATLANTA GA 1278

MARSHA D KING KING AND KING, PC ATLANTA GA 233

ANTHONY B SANDBERG THE SANDBERG LAW FIRM ATLANTA GA 158

LORENA LEE SAEDI SAEDI LAW GROUP, LLC ATLANTA GA 98

DARRELL L BURROW DARRELL L BURROW, PC DULUTH GA 97

JERRY C CARTER JR THE CARTER FIRM PC GAINESVILLE GA 95

MARISA G LEEDS ROBERT J SEMRAD & ASSOCIATES ATLANTA GA 89

CHRISTOPHER CAROUTHERS CHRIS CAROUTHERS AND ASSOCIATES ATLANTA GA 85

HOWARD PETER SLOMKA THE SLOMKA LAW FIRM, PC MARIETTA GA 75

JESSICA L CASTO ROBERT J SEMRAD & ASSOCIATES ATLANTA GA 73

WILLIAM C MCCURDY JR WILLIAM C MCCURDY JR, ATT AT LAW JASPER GA 73

MICHAEL A GOROVE HARMON AND GOROVE, PC NEWNAN GA 68

HOWARD JAY KENT THE KENT LAW FIRM ATLANTA GA 66

COLLEEN L GOLDEN C GOLDEN AND ASSOCIATES LITHONIA GA 65

BRIAN R CAHN PERROTTA CAHN AND PRIETO CARTERSVILLE GA 64

HOOMAN KHOSHNOOD HOOMAN KHOSHNOOD, ATT AT LAW ATLANTA GA 61

WILLIAM S ORANGE-LPO III WILLIAM S ORANGE-LPO III, ATT AT LAW BRUNSWICK GA 58

CHRISTOPHER L TANG CHRISTOPHER L TANG ATT AT LAW ATLANTA GA 52

MATTHEW THOMAS BERRY LAW OFFICE OF MATTHEW T BERRY ATLANTA GA 52

ROBERT M GARDNER JR HICKS, MASSEY AND GARDNER, LLP WINDER GA 52

JAMES N STANLEY JR JAMES N STANLEY JR, PC GRIFFIN GA 51

RONICA R SCALES ROBERT J SEMRAD & ASSOCIATES ATLANTA GA 51

R JEFFREY FIELD R JEFFREY FIELD AND ASSOCIATES SCOTTDALE GA 49

GUY H SEYMOUR JR SEYMOUR AND ASSOCIATES, PC AUGUSTA GA 48

HOWARD D ROTHBLOOM THE ROTHBLOOM LAW FIRM MARIETTA GA 47

KARMEL SUNZETTE DAVIS THE LAW OFFICE OF KARMEL DAVIS DOUGLASVILLE GA 47

THOMAS J HILLS THOMAS J HILLS, ATT AT LAW ATLANTA GA 47

JEFFREY B KELLY LAW OFFICE OF JEFFREY B KELLY, PC ROME GA 45

CHRIS RAMPLEY CHRIS RAMPLEY ATT AT LAW ROME GA 44

PAULA H LEE MACEY BANKRUPTCY LAW ATLANTA GA 44

KENNETH C FULLER KENNETH C FULLER ATT AT LAW ROME GA 43

ANGELA LITTLE HAMILTON ANGELA LITTLE HAMILTON ATT AT LAW FAYETTEVILLE GA 42

SCOTT R TOLBERT SCOTT R TOLBERT, ATTORNEY AT LAW JEFFERSON GA 40

ASHLEY B BRANNEN BRANNEN LAW GROUP, PC MORROW GA 39

LEE RINGLER LEE RINGLER, ATT AT LAW AUGUSTA GA 39

ROB RICKMAN RICKMAN AND BLEVINS, PC MARIETTA GA 38

WILLIAM R TATE WILLIAM R TATE ATT AT LAW ATLANTA GA 38

MICHAEL TODD CAMP CAMP LAW OFFICES, PC DOUGLASVILLE GA 37

STEPHEN F SUARINO SUARINO LAW, PC NORCROSS GA 36

IRENATA S DUNCAN DEMING, PARKER, HOFFMAN, GREEN AND NORCROSS GA 35

A ALLEN HAMMOND A ALLEN HAMMOND, ATT AT LAW JONESBORO GA 34

JOHN T DUFOUR VAN PELT AND DUFOUR CARROLLTON GA 34

KATHLEEN S GRANTHAM GRANTHAM LAW OFFICE WARNER ROBINS GA 34

H BROOKS COTTEN H BROOKS COTTEN, PC NEWNAN GA 33

JENNIFER A JAKOB-BARNES JAKOB-BARNES LAW FIRM, LLC ATLANTA GA 33

JOHN E PYTTE JOHN E PYTTE, ATT AT LAW HINESVILLE GA 33

MICHAEL D HURTT THE HURTT LAW FIRM, LLC DALTON GA 33

BRIAN S LIMBOCKER LIMBOCKER LAW FIRM LLC ATLANTA GA 32

GEORGE R BELCHE GEORGE R BELCHE, ATTORNEY AT LAW LAWRENCEVILLE GA 31

BARBARA B BRAZIEL BARBARA B BRAZIEL ATT AT LAW SAVANNAH GA 30

BRENT JAMES HARRISS HARTMANN LAW FIRM PC ROSSVILLE GA 29

GUY W GUPTON III GUY W GUPTON III, ATT AT LAW ATLANTA GA 29

IRA D GINGOLD GINGOLD AND GINGOLD, LLC ATLANTA GA 29

JULIUS M KING JULIUS KING, LLC MACON GA 29

R FLAY CABINESS BANKRUPTCY GROUP, LLC BRUNSWICK GA 29

F ANTHONY BLAKEY KELLEY, LOVETT, AND BLAKEY, PC ALBANY GA 28

JOE W COOK JOE W COOK ATT AT LAW LAWRENCEVILLE GA 28

JOHN J MCMANUS JOHN J MCMANUS AND ASSOCIATES, PC TUCKER GA 28

SAMUEL D HICKS HICKS, CASEY AND FOSTER, PC MARIETTA GA 28

SHEILA M GOVAN SHEILA M GOVAN ATT AT LAW DECATUR GA 28

WILLIAM RHYMER RHYMER LAW FIRM CONYERS GA 28

CHARLOTTE C THACKER CHARLOTTE C THACKER ATT AT LAW GRIFFIN GA 27

DAVID M WITTENBERG DAVID M WITTENBERG ATT AT LAW LAWRENCEVILLE GA 27

VALERIE G LONG VALERIE G LONG ATT AT LAW COLUMBUS GA 27

SHELBA D SELLERS SELLERS AND MITCHELL THOMASVILLE GA 26

ALEX D SANDERS ROBERT O HOUSE, PC ATT AT LAW MACON GA 25

CHARLES N KELLEY JR CUMMINGS AND KELLEY PC GAINESVILLE GA 25

LISA P LENN LISA P LENN, ATT AT LAW MARIETTA GA 25

WILLIAM H AREY WILLIAM H AREY, ATT AT LAW COLUMBUS GA 25

ANGELA MCELROY-MAGRUDER CLAEYS, MCELROY-MAGRUDER AND KITCHE AUGUSTA GA 24

J MICHAEL GREENE J MICHAEL GREENE ATT AT LAW AMERICUS GA 24

ROBERT O COLLIERSMITH COLLIERSMITH AND ASSOCIATES MARIETTA GA 24

ROGER K GHAI LAW OFFICES OF ROGER GHAI KENNESAW GA 24

SUSAN M KIRBY SUSAN M KIRBY ATT AT LAW JONESBORO GA 24

TERRANCE P LEIDEN LEIDEN AND LEIDEN, PC AUGUSTA GA 24

BOB J PHILLIPS B PHILLIPS AND ASSOCIATES PC CUMMING GA 23

CAROL S DEW DEW AND SMITH, LLC MONROE GA 23

EVAN M ALTMAN EVAN M ALTMAN ATT AT LAW ATLANTA GA 23

MELISSA A HERMAN HERMAN AND RUSSO, PC WOODSTOCK GA 23

TODD BOUDREAUX TODD BOUDREAUX, ATT AT LAW EVANS GA 23

ZANE P LEIDEN LEIDEN AND LEIDEN AUGUSTA GA 23

CINDY S STACEY CINDY S STACEY ATT AT LAW CONYERS GA 22

TIFFANY S STEWART THE STEWART LAW GROUP, LLC ATLANTA GA 22

W ROSS MCCONNELL W ROSS MCCONNELL AND ASSOCIATES CORNELIA GA 22

A CHRISTOPHER NOGALES NOGALES AND ASSOCIATES, LLC LAWRENCEVILLE GA 21

ALEX J DOLHANCYK THE DOLHANCYK LAW FIRM, PC JONESBORO GA 21

ASHLEY A DIGIULIO ASHLEY A DIGIULIO ATT AT LAW MARIETTA GA 21

E MICHAEL VEREEN III E MICHAEL VEREEN III, ATT AT LAW CANTON GA 21

GRIFFIN E HOWELL III NEWTON AND HOWELL PC GRIFFIN GA 21

KEVIN J COWART THE COWART LAW FIRM, PC MADISON GA 21

DON E SNOW DON E SNOW ATT AT LAW THOMASTON GA 20

JAMES E GOAD THE LAW OFFICES OF JAMES E GOAD CARTERSVILLE GA 20

RODERICK H MARTIN RODERICK H MARTIN AND ASSOCIATES MARIETTA GA 20

ELIZABETH Z MITCHELL ELIZABETH Z MITCHELL ATT AT LAW ROME GA 19

JAMES R MCKAY MCKAY AND ASSOCIATES, LLC FT OGLETHORPE GA 19

S KEITH EADY KEITH EADY AND ASSOCIATES, LLC ATLANTA GA 19

ARCHIE L SPEIGHTS BURNS, SPEIGHTS AND GRISHAM, PC CANTON GA 18

DANIEL M BARNES DANIEL M BARNES AND ASSOCIATES CARROLLTON GA 18

DAVID E GALLER THE GALLER LAW FIRM, LLC SANDY SPRINGS GA 18

DAVID J CASEY DAVID J CASEY ATT AT LAW SMYRNA GA 18

DONNA L HARDING HARDING LAW OFFICES LLC ACWORTH GA 18

E W CHIP ANGELL E W CHIP ANGELL, PC TOCCOA GA 18

JACK WILKES CARTER CARTER AND CARTER, ATTORNEYS AT LAW ADEL GA 18

KEVIN J PRATT KEVIN J PRATT, PC SUWANEE GA 18

MARY CHRISTINE REGISTER REGISTER LAW FIRM STATESBORO GA 18

W KEVIN SNYDER LACY AND SNYDER LLP PEACHTREE CITY GA 18

BARBARA ANN COLE BARBARA COLE, ATTORNEY AT LAW, LLC GAINESVILLE GA 17

BONIFACE G ECHOLS ECHOLS AND ASSOCIATES, LLC CONYERS GA 17

HAROLD L BOONE JR LAW OFFICES OF KARMEL S DAVIS DOUGLASVILLE GA 17

JEFFREY D BUNCH HARRIS AND BUNCH, LLC MARIETTA GA 17

LISA SAMPSON-ROBERTS SAMPSON ROBERTS AND ASSOCIATES STOCKBRIDGE GA 17

LYNN HAMILTON JOHNSON LYNN YOUNT HAMILTON, PC WARNER ROBINS GA 17

ROBERT J KISER KISER LAW, PC LOGANVILLE GA 17

RONNA M WOODRUFF WOODRUFF LAW MARIETTA GA 17

JAMES W DAVIS JAMES W DAVIS, ATT AT LAW MACON GA 16

MICHAEL R KRAMER UAW LEGAL SERVICES PLAN ATLANTA GA 16

RICHARD K VALLDEJULI JR VALLDEJULI AND ASSOCIATES, LLC ATLANTA GA 16

SHONTERRIA RENEK MARTIN BROADNAX AND MARTIN, PC MORROW GA 16

TERRY W SMITH SMITH LAW FIRM WINDER GA 16

BRACE W LUQUIRE BRACE W LUQUIRE ATT AT LAW COLUMBUS GA 15

CURTIS LEE CHRONISTER JR BUFF AND CHRONISTER, LLC LAWRENCEVILLE GA 15

ECKHART BLACKERT MILLS AND HOOPES LAWRENCEVILLE GA 15

EDWARD F SMITH LAW OFFICE OF EDWARD F SMITH WAYCROSS GA 15

GAIL C ROBINSON GAIL C ROBINSON, ATTORNEY AT LAW WARNER ROBINS GA 15

JAMES G BAKER JAMES G BAKER, PC LAGRANGE GA 15

JARED L MITNICK DANIEL MITNICK AND ASSOCIATES, PC ALPHARETTA GA 15

JOSEPH E MITCHELL III JOSEPH E MITCHELL III, ATT AT LAW AUGUSTA GA 15

JUDSON C HILL GASTIN AND HILL SAVANNAH GA 15

QUENTIN R CARR CARR AND KIKER, LAW OFFICES CLARKESVILLE GA 15

STEVEN R JACOB STEVEN R JACOB ATT AT LAW ALPHARETTA GA 15

CAWTHON H CUSTER CUSTER, CUSTER AND CLARK, LLC ALBANY GA 14

DANIEL E RASKIN DANIEL E RASKIN ATT AT LAW ATLANTA GA 14

ELIZABETH A STUHLDREHER ELIZABETH A STUHLDREHER ATT AT LAW GAINESVILLE GA 14

HOLLY COHEN MCMURRAY ALMAND AND COHEN, LLC HIRAM GA 14

JEFFREY ALLEN TURNER JEFFREY ALLEN TURNER ATT AT LAW DALLAS GA 14

JOE A PITTS PITTS LAW OFFICE MT AIRY GA 14

JONATHAN A PROCTOR ROBERT J SEMRAD & ASSOCIATES ATLANTA GA 14

LEONARD R MEDLEY III MEDLEY AND KOSAKOSKI, LLC ATLANTA GA 14

MARIO MARTY L ADKINS MARIO MARTY L ADKINS ATT AT LAW ATLANTA GA 14

NICHOLE R JAMES WRIGHT, JAMES AND BOSTON, PC ATLANTA GA 14

REBECCA FOSHEE HOWINGTON FOSHEE LAW FIRM, LLC ATT AT LAW MILLEDGEVILLE GA 14

RICHARD C E JENNINGS LAW OFFICES OF SKIP JENNINGS, PC SAVANNAH GA 14

ROBERT M MATSON AKIN, WEBSTER AND MATSON, PC MACON GA 14

SHELLEY A ELDER SHELLEY A ELDER, ATT AT LAW KENNESAW GA 14

TERRI H DUDA TERRI H DUDA, ATT AT LAW DOUGLASVILLE GA 14

W BENNETT GAFF W BENNETT GAFF, ATT AT LAW JASPER GA 14

WILLIAM ORSON WOODALL WILLIAM ORSON WOODALL, ATT AT LAW VALDOSTA GA 14

ANGELYN M WRIGHT THE WRIGHT LAW OFFICE, PC DECATUR GA 13

CHARLES E TAYLOR LAW OFFICE OF CHARLES E TAYLOR STONE MOUNTAIN GA 13

JAMIE ANN SCARINGI-CHERRY JAMIE ANN SCARINGI-CHERRY, ATT AT LAW ATLANTA GA 13

JASON M ORENSTEIN JASON M ORENSTEIN, PC MACON GA 13

JEANIE K TUPPER JEANIE K TUPPER, PC ALBANY GA 13

JEFFREY R FIELD R JEFFREY FIELD AND ASSOCIATES SCOTTDALE GA 13

JOHN K JAMES JOHN K JAMES, ATTORNEY AT LAW WARNER ROBINS GA 13

JOHN T DAVIS DAVIS AND SHERIDAN LITHONIA GA 13

LEE P MORGAN MORGAN AND MORGAN ATHENS GA 13

M LYNNE WAGONER M LYNNE WAGONER PC BLUE RIDGE GA 13

MELVYN R BURROW MELVYN R BURROW ATT AT LAW ATLANTA GA 13

ROBERT S TOOMEY LAW OFFICE OF ROBERT S TOOMEY CARTERSVILLE GA 13

SHEILA L RAMBECK SHEILA L RAMBECK ATT AT LAW PEACHTREE CITY GA 13

STANTON E PORTER STANTON E PORTER, ATT AT LAW WINDER GA 13

WILLIAM E MITCHELL IV WINGATE AND MITCHELL, PC ALBANY GA 13

AMERICA A CROSS AREY, LONG, AND CROSS, PC COLUMBUS GA 12

B GLEN JOHNSON LAW OFFICES OF EDWARDS AND JOHNSON CANTON GA 12

CHARLES R HUNT CHARLES R HUNT ATT AT LAW DAWSON GA 12

COURTNEY M DAVIS COURTNEY M DAVIS ATT AT LAW ATHENS GA 12

DANNY L AKIN AKIN, WEBSTER AND MATSON, PC MACON GA 12

DARREL L HOPSON DARREL L HOPSON PC JONESBORO GA 12

J CALE ROGERS J CALE ROGERS, ATT AT LAW GAINESVILLE GA 12

JAMES M SETTERS JAMES M SETTERS AND ASSOCIATES DALTON GA 12

JEFFREY M HELLER JEFFREY M HELLER ATT AT LAW CANTON GA 12

JIN CHOI JIN CHOI AND ASSOCIATES NORCROSS GA 12

JOSEPH W SEGRAVES JOSEPH W SEGRAVES ATT AT LAW KENNESAW GA 12

LARRY J WHITE LARRY J WHITE, ATT AT LAW POWDER SPRINGS GA 12

LYNNE PERKINS-BROWN LAW OFFICE OF LYNNE PERKINS-BROWN MADISON GA 12

MARCUS A ROSIN MARCUS A ROSIN, PC CUMMING GA 12

MICHAEL R RETHINGER R AND R LAW GROUP, LP ATLANTA GA 12

SHASHANK ANAND THE ANAND LAW FIRM, LLC ATLANTA GA 12

W LUTHER JONES W LUTHER JONES, ATT AT LAW LAGRANGE GA 12

A FRANK HARPER FRANK HARPER, ATTORNEY AT LAW FAYETTEVILLE GA 11

A G KNOWLES KNOWLES LAW FIRM, PC MACON GA 11

BEN J WACHSTEIN BEN J WACHSTEIN ATT AT LAW MARIETTA GA 11

C STACI VAUGHN CS VAUGHN LLC VILLA RICA GA 11

CHA’RON A BALLARD THE BALLARD LAW GROUP ATLANTA GA 11

DANNY COLEMAN COLEMAN LEGAL GROUP LLC ALPHARETTA GA 11

DAVID L HOLBROOK DAVID L HOLBROOK ATTORNEY AT LAW LILBURN GA 11

HERBERT C BROADFOOT II RAGSDALE, BEALS, SEIGLER ATLANTA GA 11

J R GRAY J R GRAY, PC TUCKER GA 11

JENNIFER N KESKENY BROWNING AND KESKENY PC LAWRENCEVILLE GA 11

JILL E POPE JILL E POPE ATT AT LAW DECATUR GA 11

MARK A BANDY LAW OFFICE OF MARK A BANDY SAVANNAH GA 11

PETER B BRICKS PETER BRICKS, PC ATLANTA GA 11

PETER B HOFFMAN PETER B HOFFMAN, ATT AT LAW COLUMBUS GA 11

PHILIP L PLESKA PLESKA LAW GROUP, LLC ATLANTA GA 11

RAYCHELLE L VINSON RAYCHELLE L VINSON, ATT AT LAW ATLANTA GA 11

SUSAN S BLUM GINSBERG LAW OFFICES, PC ATLANTA GA 11

ALEXANDER GRAY HAIT HAIT AND EICHELZER, ATT AT LAW WOODSTOCK GA 10

CHRISTOPHER J LIKEN CHRISTOPHER J LIKEN, ATT AT LAW ATHENS GA 10

GEORGE W WOODALL WOODALL AND PFLEPSEN, PC ALBANY GA 10

GINA MICALIZIO GINA MICALIZIO ATT AT LAW ATLANTA GA 10

GLEN EDWARD ASHMAN GLEN ASHMAN LAW OFFICE EAST POINT GA 10

HOANG T NGUYEN LAW OFFICE OF HOANG NGUYEN DULUTH GA 10

JERRY A DANIELS JERRY A DANIELS, LLC LAWRENCEVILLE GA 10

JOEL M HABER LAW OFFICE OF JOEL M HABER CONYERS GA 10

JOY R WEBSTER AKIN, WEBSTER AND MATSON, PC MACON GA 10

KAREN SCOTT GREENE KAREN SCOTT GREENE, PC LAWRENCEVILLE GA 10

LISA RENEE WILLIAMS LISA RENEE WILLIAMS ATT AT LAW PERRY GA 10

LYSANDER A WOODS LYSANDER WOODS ATT AT LAW LILBURN GA 10

MATTHEW E PURCELL MATTHEW E PURCELL ATT AT LAW KENNESAW GA 10

PATRICIA R STOUT LAW OFFICE OF PATRICIA R STOUT COVINGTON GA 10

STANLEY GENE BROWNING BROWNING AND KESKENY, PC LAWRENCEVILLE GA 10

TERRY HAYGOOD LAW OFFICES OF TERRY HAYGOOD ROME GA 10

THOMAS F TIERNEY THOMAS F TIERNEY, PC ATT AT LAW PEACHTREE CITY GA 10

TONY L BLAIR TONY L BLAIR PC OXFORD GA 10

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.

Georgia Bankruptcy Exemptions: O.C.G.A. § 44-13-100

§ 44-13-100. Exemption extended to insolvent estates

(a) In lieu of the exemption provided in Code Section 44-13-1, any debtor who is a natural person may exempt, pursuant to this article, for purposes of bankruptcy, the following property:

(1) The debtor’s aggregate interest, not to exceed $ 10,000.00 in value, in real property or personal property that the debtor or a dependent of the debtor uses as a residence, in a cooperative that owns property that the debtor or a dependent of the debtor uses as a residence, or in a burial plot for the debtor or a dependent of the debtor. In the event title to property used for the exemption provided under this paragraph is in one of two spouses who is a debtor, the amount of the exemption hereunder shall be $ 20,000.00;

(2) The debtor’s right to receive:

(A) A social security benefit, unemployment compensation, or a local public assistance benefit;

(B) A veteran’s benefit;

(C) A disability, illness, or unemployment benefit;

(D) Alimony, support, or separate maintenance, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor;

(E) A payment under a pension, annuity, or similar plan or contract on account of illness, disability, death, age, or length of service, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor; and

(F) A payment from an individual retirement account within the meaning of Title 26 U.S.C. Section 408 to the extent reasonably necessary for the support of the debtor and any dependent of the debtor;

(2.1) The debtor’s aggregate interest in any funds or property held on behalf of the debtor, and not yet distributed to the debtor, under any retirement or pension plan or system:

(A) Which is: (i) maintained for public officers or employees or both by the State of Georgia or a political subdivision of the State of Georgia or both; and (ii) financially supported in whole or in part by public funds of the State of Georgia or a political subdivision of the State of Georgia or both;

(B) Which is: (i) maintained by a nonprofit corporation which is qualified as an exempt organization under Code Section 48-7-25 for its officers or employees or both; and (ii) financially supported in whole or in part by funds of the nonprofit corporation;

(C) To the extent permitted by the bankruptcy laws of the United States similar benefits from the private sector of such debtor shall be entitled to the same treatment as those specified in subparagraphs (A) and (B) of this paragraph, provided that the exempt or nonexempt status of periodic payments from such a retirement or pension plan or system shall be as provided under subparagraph (E) of paragraph (2) of this subsection; or

(D) An individual retirement account within the meaning of Title 26 U.S.C. Section 408;

(3) The debtor’s interest, not to exceed the total of $ 3,500.00 in value, in all motor vehicles;

(4) The debtor’s interest, not to exceed $ 300.00 in value in any particular item, in household furnishings, household goods, wearing apparel, appliances, books, animals, crops, or musical instruments that are held primarily for the personal, family, or household use of the debtor or a dependent of the debtor. The exemption of the debtor’s interest in the items contained in this paragraph shall not exceed $ 5,000.00 in total value;

(5) The debtor’s aggregate interest, not to exceed $ 500.00 in value, in jewelry held primarily for the personal, family, or household use of the debtor or a dependent of the debtor;

(6) The debtor’s aggregate interest, not to exceed $ 600.00 in value plus any unused amount of the exemption, not to exceed $ 5,000.00, provided under paragraph (1) of this subsection, in any property;

(7) The debtor’s aggregate interest, not to exceed $ 1,500.00 in value, in any implements, professional books, or tools of the trade of the debtor or the trade of a dependent of the debtor;

(8) Any unmatured life insurance contract owned by the debtor, other than a credit life insurance contract;

(9) The debtor’s aggregate interest, not to exceed $ 2,000.00 in value, less any amount of property of the estate transferred in the manner specified in Section 542(d) of U.S. Code Title 11, in any accrued dividend or interest under, or loan or cash value of, any unmatured life insurance contract owned by the debtor under which the insured is the debtor or an individual of whom the debtor is a dependent;

(10) Professionally prescribed health aids for the debtor or a dependent of the debtor; and

(11) The debtor’s right to receive, or property that is traceable to:

(A) An award under a crime victim’s reparation law;

(B) A payment on account of the wrongful death of an individual of whom the debtor was a dependent, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor;

(C) A payment under a life insurance contract that insured the life of an individual of whom the debtor was a dependent on the date of such individual’s death, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor;

(D) A payment, not to exceed $ 10,000.00, on account of personal bodily injury, not including pain and suffering or compensation for actual pecuniary loss, of the debtor or an individual of whom the debtor is a dependent; or

(E) A payment in compensation of loss of future earnings of the debtor or an individual of whom the debtor is or was a dependent, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor.

(b) Pursuant to 11 U.S.C. Section 522(b)(1), an individual debtor whose domicile is in Georgia is prohibited from applying or utilizing 11 U.S.C. Section 522(d) in connection with exempting property from his or her estate; and such individual debtor may exempt from property of his or her estate only such property as may be exempted from the estate pursuant to 11 U.S.C. Section 522(b)(2)(A) and (B). For the purposes of this subsection, an “individual debtor whose domicile is in Georgia” means an individual whose domicile has been located in Georgia for the 180 days immediately preceding the date of the filing of the bankruptcy petition or for a longer portion of such 180 day period than in any other place.

(c) The exemptions and protections contained in this article are extended to intestate insolvent estates in all cases where there is a living widow or child of the intestate.

Perrotta, Cahn & Prieto represents clients throughout Georgia and the Southeastern United States.  We have offices conveniently located throughout Georgia.  To schedule a free consultation with a lawyer at our firm, call us toll-free at 866-382-8900 or visit us online at www.northgabankruptcy.com.

We have offices in: Cartersville, Calhoun, Dalton, Atlanta and Dallas

Serving clients in: Bartow, Floyd, Paulding, Cherokee, Polk, Whitfield, Douglas, Cobb, Fulton, Chatham, and all of Northwest Georgia.