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 / Español
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
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
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LegalAid-GA.org provides general information only. This is not legal advice and cannot replace legal advice. You can get legal advice only from a lawyer. Deadlines are extremely important in most legal matters. You may lose important legal rights if you do not hire an attorney immediately to advise you. Viewing this web site or sending an e-mail message through this web site does NOT create an attorney-client relationship.
LegalAid-GA is a project of Atlanta Legal Aid Society, Georgia Legal Services Program and the Pro Bono Project of the State Bar of Georgia. The project is funded by the Legal Services Corporation and the Georgia Access to Justice Project.
(Separate Website)
