Overwhelmed with debt? Call us today at 678-354-2290
FREQUENTLY ASKED BANKRUPTCY QUESTIONS
ASK A MARIETTA BANKRUPTCY LAWYER
Can filing for bankruptcy save my home?
Each case is individual, but there are many possible options when you are facing foreclosure on your home. Many individuals in the State of Georgia got caught in the sub-prime mortgage crash and now face mortgage payments that are impossible to handle. When this is the case, filing gives you the time and opportunity to handle the back payments as there will be a halt to collection actions for several months as the filing makes its way through the process of bankruptcy. During this time, you can seek a loan modification or other solution to the problem of your mortgage. It is critical that you get legal representation from a Marietta bankruptcy attorney to answer your questions with regard to this very important issue. Our firm will assist you in determining how to best move forward in resolving serious debt and mortgage problems.
Does filing bankruptcy get rid of all my debt?
Not all types of debt can be liquidated or discharged in a Chapter 7 bankruptcy filing. However, it will get rid of many kinds of debt to varying degrees. For example filing does not allow you to discharge recent taxes, student loans, child support and alimony and also some types of court fees and fines. Nevertheless, you can fully discharge credit card debt and overdue medical bills as well as many other types of debts. This can make paying the ineligible bills easier, since you will have so much more cash available if you are no longer paying a large number of your outstanding debts. If you still owe on your car or home, we can probably help you find solutions to help you keep this property when you talk to us, depending upon your circumstances.
What is the difference between a secured and unsecured debt?
There are two primary types of debt – secured and unsecured. A secured debt refers to something that is secured by a form of property that serves as collateral; in these cases, the creditor can claim the property to pay off the debt. For example, a mortgage and a car loan are secured debts because the property, the house or car, could be reclaimed. On the other hand, medical bills and credit card debt are unsecured debts because there is no property that could be taken.
How often am I allowed to file for bankruptcy?
Many people have the misconception that you are only allowed to file bankruptcy one time throughout your entire life. However, while you do have to wait between filings, you can technically file multiple times. If you filed Chapter 7 the first time, you will need to wait 8 years until you can file Chapter 7 again and 4 years to file Chapter 13. If you filed Chapter 13 the first time, you need to wait 2 years before you can file Chapter 13 again and 6 years before you are permitted to file Chapter 7.
Will creditors continue to contact me after I file?
As soon as you have filed, what is known as the automatic stay will protect you. Therefore, creditors will immediately need to cease any and all collection efforts against you. If they continue to make efforts to contact and collect, just alert them, in writing, about the bankruptcy petition. After that, if they still continue, you may have grounds to pursue legal action.
Should I file for Chapter 7 or Chapter 13?
Both chapters can offer benefits. Moreover, the benefits will vary depending on your circumstances. Therefore, there is no blanket answer as to which is the “better” option as it is based on many different factors. For example, if you do not have enough disposable income to pay off your creditors, you may be best suited for Chapter 7. However, if you have a lot of valuable assets and property you aren’t willing to risk in liquidation, you might be better suited for Chapter 13.
Won't bankruptcy ruin my credit for years?
Factually, if you find yourself contemplating bankruptcy, you probably already have an issue with your credit, or soon will. The advantage of filing is that you NO LONGER OWE many of your debts, and they will show a $0 balance on your credit report. Since such a large number of Marietta residents have filed for bankruptcy, it no longer has the stigma it once did. Additionally, credit card companies usually begin making offers within a few months after the bankruptcy. Usually, they offer high-interest and low credit limit cards, but even so, carefully managing your financial situation after bankruptcy can finally result in a repaired credit standing over time.
I got a notice that my wages are going to be garnished. Is there anything I can do about it?
When you file, there is an immediate halt to garnishments on your paycheck. Through the bankruptcy process, the outstanding debt will be sorted out and you will have access to your whole paycheck. Stopping wage garnishment is one form of relief you can experience after filing.
I was shattered with the overwhelming charge in my otherwise immaculate 40 years of life. While desperately browsing the internet for good attorney, I came across Mr. Blevins profile, who back then had received 5 stars rating from 50 folks. That’s an outstanding rating to trust anyone. With that background, I went to him to handle my case. Mr. Blevins met all my expectations and indeed did an incredible job & brought the case a desirable outcome for me and got my life back on track. During my interactions with him I realized that he has a ton of experiences and knows the GA law in and out. He is also very well connected within the GA law community. He is prompt & supportive and drives the case pretty well. With a great pleasure & honor, I would like endorse him with yet another 5 star. I strongly strongly strongly recommend him!read more
I retained Mr. Blevins to represent me for a misdemeanor affray charge and he got the charges dismissed. He was very receptive, very open, available (shared his personal cell with me for any after hour questions), and effective. He communicated well and efficiently. Would certainly recommend him to everyone. Cost was very reasonable and definitely worth the value.read more
Richard Blevins did a GREAT job for us on two cases. On one case he was able to minimize the impact of a DUI charge. He was able to get the other case dismissed after we followed his recommendations prior to our court date. He’s very knowledgeable and familiar with what needs to be done to handle your case. I highly recommend hiring him.read more
The best DUI attorneys in all Cobb County! I spoke with various other attorneys but was impressed with the level of professionalism and promptness of attorney Richard Blevins. His experience is felt instantly as we appeared in court and everyone knew him. Thank you Richard for saving my license.read more
GREAT LAWYER; OUTSTANDING LAW FIRM AND BEYOND COMPARISON
Richard Blevins Jr. had my best interest in mind from the moment I met with him through the months that we worked together. He WILL work for you and will use his extensive knowledge and network of the legal system to get you the best outcome.
His office staffs were very responsive and would communicate and send me all the documents throughout the court proceedings. Mr. Blevins would also directly call and communicate with you to keep matters aligned and up-to-date.
Listen to him, trust his advice, and do what he says as he has the expertise and confidence to tackle your case. I would HIGHLY RECOMMEND Mr. Blevins to anyone who finds themselves in a difficult situation. He is the best lawyer in Cobb County and one of the BEST in Georgia!read more
Selecting an attorney is something we don’t do often and it can be an intimidating process. For me, there are 4 important questions to keep in mind:
1. How knowledgeable is the attorney and will they be able to identify all the possible options for your situation?
2. How honest and transparent will the attorney be with you on the possible outcome of your situation?
3. Will the attorney work hard and stay persistent to achieve the best possible outcome for your situation?
4. What will the legal representation cost?
I can testify that Richard Blevins of Blevins & Hong is extremely knowledgeable on the law and in our case, could identify options that we didn’t even know existed. He was honest about the unlikelihood of the best outcome but was willing to work hard to try to achieve that for us at a very reasonable cost. In our case, Richard was able to make the improbable best outcome a reality. Richard’s knowledge of the law, experience in the courtroom, hard work and commitment to resolving the case in our best interest were the keys to our success.
Choosing the right attorney can be a difficult decision, make the right choice and give Richard Blevins a call. You will be glad you did, I certainly am.read more
Attorney Blevins is a dynamic negotitator... skilled lawyer,...he was able to keep my husband from going to jail for driving with suspended driver's license (numerous tickets and a long standing case history in Cobb County with suspensions) but his attorney was patient,steadfast, and HONEST .Attorney Blevins was so impressive,even the Judge commended him for doing a GREAT JOB !!read more
Richard is excellent to work with. As a former law enforcement officer, Richard has incredible knowledge and his work ethic sets him apart from other legal experts. He took the time to explain all aspects of my situation to me and genuinely cared about the outcome of my case. I recommend him and his team to anyone. Richard and his team gave me the confidence I needed during all phases of my case. You won't find a more attentive, tenacious attorney.read more
Had an unfortunate situation occur at the top of 2016 that surely would've followed me throughout the entirety of my professional career. Attorney Soo Hong was a true God send. Ms. Hong was professional, courteous and very knowledgeable. I was almost certain that even with legal counsel my situation could only be lessened but not totally relieved. I'm not sure how she managed but to my surprise my case was dismissed a few days ago. Even so she has still been available to answer lingering questions and help with advice. My five star rating is an understatement if you ask me. Money well spent.read more
Mr Richard Blevins and his exceptional firm helped me through one of the most difficult times of my life. His experience in law and guidance throughout an entire process of the Cobb court system was without question trusting. I am so happy to have chosen Mr Blevins and his firm to represent me.read more
Our family has over a time period required the services of an attorney. We have had the opportunity to work with Soo Hong of Blevins and Hong a few times. Her devotion to her clients and the personal followup requires repeated trust. Our family will retain in future needs.
Mike and Mary R. Acworth, Georgiaread more
I went to Ms. Hong to take care of a dui case of mine she sat down with me and was straight forward with what she could do and what my expectations should be. She explained to me the case proceedings how how things work in layman terms so I could understand clearly. I decided to use her and she was nothing less than excellent. She went to bat for me and argued her butt off in my favor. In open court the judge himself said that I owe great gratitude towards her because for most they wouldn't have gotten the plea deal. I am very thankful and lucky to have chosen Blevins and Hong law. They were able to get everything dropped down to reckless driving which in my case was the absolute best senario. I would highly recommend Ms. Hong and her partners.read more
I retained Soo Hong for my son who had been falsely accused of stealing a car. His public defender wasn't doing his job. Wanted him to plea out from the very beginning. After six months in Cobb County jail, I went ahead and contacted Soo Hong. Needless to say, my son's charges were dropped and was out of jail within 3wks. All due to her expertise and knowledge of the law. From the beginning, Soo kept us updated on everything. She treated us with respect and went above and beyond the call of duty. I would recommend her to anyone! T. Sprinkleread more
Richard Blevins is by far the most professional, responsive and effective attorney I have known. If you are looking for the very best advocate to address your legal issues, Richard is that person. He knows his business and treats his clients with respect and care. He commits to what he will do and always follows through. I highly recommend him to handle your legal affairs. Like our family, you will be very glad you did!! -- Rober Ackland - Gainesville Garead more
Ms. Hong was a pleasure to work with! She helped me out've a bad situation and continued to help me whenever any other curve ball would come my way. I've never had to use a lawyer before and going into it expecting a lot of stress, she helped me remain calm and took care of everything, while I was living out of state.read more
Richard Blevins is a life saver! He invested a personal interest in my legal affairs, was great about communicating with me over the year long process, and was able to get me the best available outcome on my case. He genuinely cares about his clients and wants to help them reach the most favorable outcome possible. He is well respected in the court room and his knowledge of legal issues is unbelievable. If you want the best shot at beating your case I highly recommend hiring Mr. Blevins. No amount of stars or money could show my appreciation for having my life and professional career saved by this man!read more
Amazing firm right here! Richard Blevins is fantastic. I am a business owner and my son got in to some trouble. I needed him back asap. Richard was great with answering any questions I had and was very prompt on returning phone calls and emails. I would rate them 20 on a scale of 1-10read more
Mr. Richard is very intelligent, knowledgeable, trustworthy & reliable attorney. He handles the case diligently & strives to get best possible outcome for you. For legal matters, you need to be in best hands! I find him THE best & I highly recommend him.read more
Mr. Blevins and his staff demonstrated outstanding professionalism and support. He is attentive and prompt. I appreciate the fact that he is also extremely courteous and understanding. I recommend him with the highest regard.read more
Belvins & Hong, PC is one of the best, I would strongly recommend that you have this company represent you in your case. Ms. Hong represented me during my case; and she did get my case dropped off my record since I was a first time offender. She was very knowledgeable, which was a plus since I had no idea what was happening. I cannot thank you enough for representing me.read more
I've been working on my case to get off of probation. I am from out of state and contacted the firm. They got to work right away and set a date for court. We went in and Mr Blevins was able to get me off. They are very affordable, and know the system. If you want it done right call now.read more
If I could give 10 stars I would...Can't say enough about how Richard Blevins helped us. He is very well connected in the legal community which helps when working these cases. He went out of his way to make sure we recieved the best possible outcome for our case. Working in the legal field, I understand the importance of having a great attorney and how much that matters, and Richard is a great attorney!! If you want the best possible outcome, go with this firm.read more
Mr. Blevins was able to help me out so much with my legal issue! He met with me and made a plan and followed through with GREAT communication! His rate was also very reasonable for his QUALITY service!read more
Attorney Richard Blevins went out of his way to help me with an out of state case. He spent his own valuable time and resources to assist me. He definitely went the extra Mile. I cannot express my gratitude. Thank you Mr. Blevins.read more
They handled my case against my prior apt. Complex management quickly and efficiently. As a client, Justin took the time to listen and effectively gather material's needed to fight my case. I cannot thank them enough.read more