Answers to Common Bankruptcy Question
(Separate Website)
A decision to file for bankruptcy should be made
only after determining that bankruptcy is the best way
to deal with your financial problems. This brochure can
not explain every aspect of the bankruptcy process. If
you still have questions after reading it, you should
speak with an attorney familiar with bankruptcy.
By: National Cosumer Law Center
Bankruptcy - State Bar of Georgia Consumer Pamphlet
(Separate Website)
This pamphlet contains answers to common questions about bankruptcy, including: (1) What is bankruptcy? (2) How do I get relief from my creditors? (3) What is a discharge and how do I get one.
By: State Bar of Georgia
Bankruptcy Pros and Cons
(Separate Website)
Being in over your head financially is frightening. If you find yourself in this unhappy position, several kinds of help are available. Bankruptcy is one of the alternatives for financial distress. You need to examine the options available to you for dealing with your financial problems and decide which course of action is best for you.
By: American Bar Association
Is Bankruptcy Right for You?
Life is not always smooth. Lots of unexpected events may cause financial problems in the most stable of families. A job loss, a family member's illness, a divorce - many events can push a family into the financial abyss and leave even the most financially conservative person drowning in debt. Most families in the U.S. today carry some debt. Late payment penalties and high interest rates can quickly drive up the outstanding balance on your credit cards.
By: Atlanta Legal Aid Society
Your Legal Rights after Bankruptcy
(Separate Website)
Bankruptcy is a choice that may help if you are facing serious financial problems. You may be able to cancel your debts, stop collection calls, and get a fresh financial start. Bankruptcy can help with some financial problems, but does not guarantee you will avoid financial problems in the future. If you choose
bankruptcy, you should take advantage of the fresh start it offers and then make careful decisions about future borrowing and credit, so you won?t ever need to file bankruptcy again!
By: National Consumer Law Center
Information about Credit and Consumer Rights
Basic Debt Collection and Consumer Protection in Georgia
This document describes the law relating to debt collection and basic consumer protection laws, answering the following questions: Why do you need to understand your contract before signing it? How can creditors collect debts? How can consumers protect themselves? The document is an excerpt from An Introduction to Law in Georgia,
Fourth Edition, published by the Carl Vinson Institute of Government, 1998 (updated 2004).
By: Carl Vinson Institute of Government, University of Georgia
Read this in:
Spanish / Espaņol
Conquering Credit Challenges
(Separate Website)
Each of us has the personal responsibility for managing our spending. This handbook was developed to give you basic information on how to obtain and correct information from credit buraus, interpret your credit report, understand the costs of using credit, work with your creditors and become debt-free.
By: Consumer Credit Counseling Service
Consumer Credit Counseling Service Debt Management Plan
(Separate Website)
Consumer Credit Counseling Service's repayment plan has been designed to help you make the transition to debt-free living a gradual and smooth process. It allows for one monthly deposit for all creditors, provides relief from creditor calls, reduces personal stress, and may lower interest charges on some debts. The repayment plan is in PDF format.
By: Consumer Credit Counseling Service
The Reaffirmation Project Debtor Information Packet
(Separate Website)
After you file bankruptcy, you can still choose to repay debts. This is known as debt reaffirmation. It can have some good impact on your credit rating
By: Atlanta Legal Aid Society
Cars and Driving Issues
Driver's Licenses
Driver's Licenses and Traffic Safety Laws
This document is excerpted from An Introduction to Law in Georgia, Fourth Edition, published by the Carl Vinson Institute of Government, 1998 (updated 2004). The document describes: This document explains: (1) The Driver's License Requirement, (2) The Process for Getting a Driver's License, (3)
Traffic Safety Laws and Regulations, (4) When Can a Driver's License Be Taken Away, (5) Traffic Violations and Points in Georgia, (6) The Government Authorities that Make Traffic Laws
By: Carl Vinson Institute of Government, University of Georgia
Read this in:
Spanish / Espaņol
Georgia DMVS Driver's License Services
(Separate Website)
This section of the Department of Motor Vehicle Safety web site contains information about how to get a Georgia Driver's License for automobiles, commerical vehicles and motorcycles. The web site also contains information about renewals, name and address changes and applying for a learner's permit.
By: Georgia Department of Motor Vehicle Safety
Getting a Driver's License
(Separate Website)
This web page has list of requirements before a license can be issued.
By: Georgia Department of Motor Vehicle
License and Vehicle Registration Information
(Separate Website)
This section of the Department of Motor Vehicle Safety web site contains information about drivers licenses, and vehicle registration in Georgia.
By: Georgia Department of Motor Vehicle Safety
Renewing Your Georgia Drivers License or ID Card
(Separate Website)
This web page explains how Georgia driver's licenses are renewed.
Consumer Information and Rights
Automobile Title Information
(Separate Website)
This section of the Department of Motor Vehicle Safety web site provides information on automobile titles. Your "title" is your certificate of ownership for the vehicles.
By: Georgia Department of Motor Vehicle Safety
Automobiles - FTC Web Site for Consumers
(Separate Website)
This web site contains information about buying a new car, buying a used car, leasing a car, renting a car and fuel costs and expenses. The web site also contains information for businesses that sell or lease vehicles.
By: Federal Trade Commission
Read this in:
Spanish / Espaņol
Before You Buy a New Car, How About This Used One?
(Separate Website)
One of the first decisions you must make is whether to buy your car new or used. There are positives and negatives for either choice, and people will be happy to share their own theories on the subject with you. Basically, however, it comes down to weighing the pros and cons of each.
By: Consumer Credit Counseling Service
Read this in:
Spanish / Espaņol
Buying A Used Car Buying a used car can be a good deal or a costly mistake. Make sure you are getting a car that is in good condition and fits within your budget. Otherwise, you may be stuck paying for a broken down car. This shows what to do at each step in the car buying process.
By: Atlanta Legal Aid Society
Read this in:
Chinese / 中文
,
Korean / 한국어
,
Spanish / Espaņol
,
Vietnamese / Tiếng Việt
Fast Facts on Consumer Rights
(Separate Website)
Quick tips on your rights in certain consumer issues
By: Barnes Law Group
Georgia Consumer's Guide to Odometer Tampering
(Separate Website)
National studies have shown that a high percentage of all used cars have had the mileage on their odometer "rolled back" or "clocked" so that the odometer shows less miles than the vehicle has actually traveled. The federal government estimates that over 4 billion dollars per year (an amount greater than the loss caused by auto theft) is lost as a result of odometer fraud.
Con men can add thousands of dollars of illicit profit into the price of a used vehicle through odometer mileage tampering or misrepresentation. Also, since the motor vehicle has been driven more miles than shown, the unsuspecting buyer will be forced to incur expenses for needed repairs or maintenance sooner than anticipated
By: Governor's Office of Consumer Affairs
Georgia's Lemon Law
(Separate Website)
Georgia?s Warranty Rights Act, also known as the ?Lemon Law,? is codified in O.C.G.A. § 10-1-780 through 10-1-794. It offers protection to consumers who buy or lease a new vehicle which turns out to have certain types of defects. When you buy a new car, the dealer is required to give you a written explanation of your rights under this law.
By: Barnes Law Group
Lemon Law Complaint Process
(Separate Website)
Have you experienced continuing problems with a new motor vehicle that you purchased or leased in Georgia? If so, you might be interested to know that the Motor Vehicle Warranty Rights Act, or Lemon Law as it is commonly called, outlines a self-help process for you.
By: Georgia.gov
Steps YOU can take to protect yourself as a consumer!
(Separate Website)
10 steps you can take to avoid getting ripped off.
By: Barnes Law Group
Financing your Auto
Car Loans: Understanding Vehicle Financing
(Separate Website)
Understanding Vehicle Fina
Home Page
Intake Workers
(Separate Website)
