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  • Do I Need a Bankruptcy Lawyer to File?

    Do I Need a Bankruptcy Lawyer to File? Request a Free Case Consultation Today Legally, you do not need an attorney to file for bankruptcy. However, if you would like the process to be handled professionally, it is highly advisable that you hire one. It does cost more money to retain the services of a bankruptcy firm, but it is important to do so. An Atlanta bankruptcy lawyer from Khoshnood Law ...
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  • Bankruptcy & Loans

    Bankruptcy & Loans Attorney Discharging Student Loans in Atlanta Have you found yourself overwhelmed with student debt and unable to pay your bills on time or at all? Student loan debt can theoretically be discharged in bankruptcy, but the level of hardship you have to prove to have your student loans discharged is extremely high in the state of Georgia. For all practical purposes, this means that ...
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  • Taxes & Bankruptcy

    Taxes & Bankruptcy Attorney Serving Clients Throughout Atlanta, Georgia One of the common questions we get at our firm is in regards to taxes and bankruptcy, and if our clients are able to discharge income taxes owed to the IRS in bankruptcy. In some situations this may be possible, however the subject is quite complicated and it depends on several different factors. The subjects of taxes and ...
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  • Credit Card Debt

    Credit Card Debt in Atlanta Bankruptcy Attorney Handling Secured & Unsecured Debt Are you currently dealing with a large amount of credit card debt that keeps building with fees and penalties? It can be very difficult to get on top of your debt as the amount seems to never end. You may be considering filing for bankruptcy as a way to alleviate your debt. An Atlanta bankruptcy lawyer from Khoshnood ...
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  • Bankruptcy Alternatives

    As a way of avoiding bankruptcy, here are some bankruptcy alternatives you can consider: Getting a second mortgage or a home equity line of credit to pay off debt. Typically, getting a second mortgage in order to pay off credit card debt can be and often is highly problematic. Consider the pros and cons to this option: PROS: You may be able to avoid filing for bankruptcy. Using second mortgage ...
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  • Stopping Creditor Lawsuits

    Lawsuits by creditors to collect money have become incredibly common. The lawsuit can be filed by either the original creditor, a collection company or a collection law firm the borrower has never heard of. Learn more about stopping creditor lawsuits . Here is an example of the first scenario. Capital One sues John Doe becase John Doe had a Capital One credit card, defaulted on the payments, and ...
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  • Bankruptcy Mistakes

    Buying a car right before filing for Bankruptcy. You should not purchase a vehicle before you file for bankruptcy. Depending of the circumstances, buying a car may cause issues in your bankruptcy. A good bankruptcy attorney will be able to counsel and help you, if you have already bought a car. If you have not bought a car and are thinking about buying one, then stop and consult an attorney first. ...
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  • Bankruptcy Warning Signs

    Here is a list of bankruptcy warning signs . If some of the following situations apply to you, you should consult with a bankruptcy attorney: Collection calls are overwhelming you Creditors are suing you Car company is trying to or has repossessed your car You are having a hard time sleeping due to financial stress You are arguing with your significant other about debt and money You feel hopeless ...
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  • Bank Garnishment

    MYTH: Once my bank is garnished, it’s too late to get it unfrozen. TRUTH: Whether you file a Chapter 7 or a Chapter 13 bankruptcy, your bank account has to be released from garnishment. MYTH: If I file for bankruptcy, my bank will close my account. TRUTH: Typically, banks don’t close your account when you file a bankruptcy (but some do). In Georgia, there are different ways available for a ...
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  • Wage Garnishment

    Typically in Atlanta, once a creditor obtains a judgment against a debtor, the next step is to collect on that Judgment. There are different methods of collecting on a judgment. Probably, the most effective method of collecting on a judgment is to resort to a wage garnishment action. Wage garnishment is a legal action that obligates your employer to deduct a portion of your paycheck until the ...
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  • End Creditor Harassment

    Having done thousands of debt relief and bankruptcy consultations with my clients, I know that the pressure that is put on ordinary citizens by debt collectors can be overwhelming! Helping to end creditor harassment is why people often times contact a bankruptcy attorney. Collectors demand money that the borrower does not have Collectors demand for terms of payment that are impossible for the ...
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  • Bankruptcy vs. Debt Consolidation

    Debt consolidation companies rely on negotiations with creditors. Creditors may or may not want to negotiate and do not have to participate in a private debt consolidation plan. In addition, creditors can opt out of participating in a debt consolidation plan. Most debt consolidation companies can only address certain limited types of debt, for example, only credit card debt. In my discussions with ...
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  • Protect Your Bank Account

    Protect your Bank Account with Bankruptcy and Stop Bank garnishments. Bank account garnishment stops the account holder’s access to the funds that were deposited in the account. Typically, some of the following scenarios happen: Important written checks on the garnished account such as rent and car payments will bounce. Often, borrowers are surprised when the bank garnishment takes effect and ...
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  • Should I File Bankruptcy On My Own

    Should I file for bankruptcy on my own? I’m often asked “ should I file for bankruptcy on my own ? I do not think you should file your own bankruptcy unless you are a bankruptcy attorney yourself. You may think to yourself, “This guy is a bankruptcy lawyer. Of course he does not think I should file my own bankruptcy. If everyone filed their own bankruptcy, then you would be out of business!” ...
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  • Chapter 13 and Cosigned Debt

    Co-debtor protection under Chapter 13 Bankruptcy Consider the following scenario in relation to Chapter 13 and Cosigned Debt : John and Jane are married. John has debt in his name alone but Jane does not have debt in her name alone, except for a joint credit card debt (joint with John). John is considering filing for bankruptcy, but Jane does not want to file since she does not have any debt other ...
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