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What should I do before filing for bankruptcy?

You may have found yourself in over your heads with credit card debts, medical debts, or other debts. You may feel that you can no longer keep up with the minimum payments, and that your only true option is bankruptcy. Once you decide that bankruptcy is the path for you, there are a number of steps you must take. First, you must decide which type of bankruptcy fits your situation. Most people file either a Chapter 7 or a Chapter 13. Chapter 7 allows most of your debts to be cancelled, while a Chapter 13 requires that payments be made...

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I have a good credit score but am considering bankruptcy. How much will it damage my credit score and when can I rebuild it to where it is now?

I’m sorry to hear you are facing bankruptcy, especially if you have a good credit score. Bankruptcy is something most people do not take lightly, and if you have a good credit score, it’s likely that you have been responsible with your money in the past. In some cases, unforeseen circumstances, like a major medical event, can force people with good credit scores to consider bankruptcy. Bankruptcies can affect access to new credit cards, car and home loans, and can hurt job opportunities. They can also be very tough to deal with emotionally. Despite that, over a million people file...

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What should I do if I have been hit by an uninsured or underinsured driver in Atlanta?

Even if you are the safest driver in history, you can still get into an accident because you share the roads with other vehicles. You may never take chances and may always obey all speed limits and traffic laws, but you still run the risk of being involved in a wreck, which may involve injuries, with a driver without adequate insurance or with no insurance at all. Normally, when you suffer from an injury because of another party’s actions, you are entitled to pursue a claim for the damages to which you are entitled by law. However, if the person...

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Bus Accidents in Atlanta

Generally, riding on a bus is a fairly safe method of transportation. The size of the bus typically protects passengers in the event the bus is in an accident with a smaller vehicle. However, in some cases a lapse in the judgment of a bus driver, or a failure to perform the proper maintenance on a bus can result in a crash that can injure passengers on the bus. Bus drivers are required by law to use the highest standard of care towards passengers, because legally bus drivers are considered “common carriers”, meaning that they transport passengers for hire. However,...

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Driving While Sleepy Even More Deadly than Previously Believed

A study recently released by the AAA Foundation for Traffic Safety found that drivers who get less than seven hours of sleep the previous night may want to think twice before getting behind the wheel. The study found that drivers who miss only one or two of the recommended seven hours of sleep nearly double their risk for a crash. The study looked at 7,234 drivers who were involved in 4,571 crashes that required emergency medical treatment. Investigators in those crashes looked at a number of factors that could have contributed to the crash, including driver error and mechanical failure....

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I am considering filing for bankruptcy early next year to get a fresh financial start. What steps should I take now to prepare for a bankruptcy?

If you believe you are in over your head financially, and that bankruptcy is the only option for you, there are a number of issues you should sit down and consider. In addition, there are some actions you should take to protect yourself. Is bankruptcy right for you?  First, consider whether bankruptcy is really the right option for you. Bankruptcy should be considered a last resort. It takes a long time and can be emotionally exhausting. It will damage your credit score and may hurt your employment prospects and other aspects of your life in the future. However, for many...

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I am in the military and am considering filing for bankruptcy. How does being in the military affect my bankruptcy?

Fortunately for you, military personnel have the same rights to file bankruptcy as civilians. Some members of the military get even better options when it comes to filing for bankruptcy.  The Servicemembers’ Civil Relief Act (SCRA) gives active-duty military personnel some additional legal protections in a bankruptcy. The SCRA gives courts the right to postpone bankruptcy proceedings while the individuals are on active duty. In addition, being in the military may help some people avoid bankruptcy entirely. Under the SCRA, many active duty personnel are entitled to a cap of 6% on the interest rate on many debts or financial...

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I was injured as a passenger on a motorcycle in an accident in Atlanta. What legal steps should I take?

If you have been injured in a motorcycle accident as a passenger, you are a victim no matter whether another driver or the motorcycle driver is at fault for the accident. A passenger on a motorcycle has no control of the situation and is helpless to prevent an accident. While many accidents occur due to the negligence of drivers on the road, a passenger on a motorcycle who is injured has a right to be compensated for his or her injuries. Motorcycle accidents may occur involving multiple vehicles, or they may be single vehicle accidents. Some accidents are caused by...

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Holston & Huntley, LLC, Attorneys & Lawyers Bankruptcy, Atlanta, GA
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