We try to provide clients with complete access to any tools they will need during the course of their case. Please review the options below and if you don’t see the form needed please contact us immediately.
If you did not list all of your creditors before your case was filed then an amendment can be filed to add then. Use this form to provide us with the list of creditors to be added and pay the add creditor fee
If you need to make a direct payment to our office you can use this link to make a secured payment. Please note that is you are making a payment for a client please let us know the name of the person you are making the payment for.
If you have an obligational to pay child support and/or alimony the Chapter 7 trustee requires that you complete this form before your court hearing. This form can be completed online. The trustee will reset your case until his form is received.
If your car is worth LESS than what you owe and you can pay the full fair market value of it in one lump sum then you can request a motion to redeem be filed. There are additional costs involved for this motion.
You can disregard this notice. The filing fee you paid when you signed up (either the $78.00 installment or full $338 fee) has been paid. This notice is sometimes generated if case fees are not paid and the exact same time as filing. Since we sometimes bulk file cases and just pay at one time this will cause the computer to issue that notice.
When your case is filed your creditor is sent a notice of your intent with your car and/or home. Once they receive this notice they will prepare and send to our office the reaffirmation agreement. This process may take between 2-3 weeks. If you don’t have this agreement before your hearing then you need to let us know so we can check to see what the delay is with the creditor. PLEASE NOTE that some creditors will NOT send you a reaffirmation agreement is you are not 100% current on the car or home.
Chapter 13 allows you to cram down the value of your car and interest rate however you do not have that right in Chapter 7. Now, you can contact your car creditor to see if they will renegotiate the terms of your loan but understand they have no legal obligation to do so. Typically in a Chapter 7 case, if you want to keep your current car then you will need to sign a reaffirmation agreement and continue your payments. If you want to contact your creditor directly then complete the form below and provide it to them so you can speak to them directly on this matter.
This one is up to you. If you reaffirm your mortgage loan then if you fall behind later on the loan the mortgage company could foreclosure on you AND come after you for a deficiency balance on the loan. Our district does not require you to sign this agreement to keep your home. Some clients opt to not sign a reaffirmation agreement and just keep paying their mortgage. Just note that if you do not reaffirm on the mortgage then the lender will not report on your credit report. If you want to reaffirm on your mortgage make sure that you have this agreement signed and returned to the lender no less than 45 days after your 341 hearing.
If you did not pay the full filing fee of $338.00 to file your case (you would have paid $78.00) then the balance of $260 will be due over the next 60 days by paying one payment of $130.00 30 days after filing and then paying a filing $130.00 in another 30 days. Remember that you do NOT pay this to your trustee or to our office.
You can make this payment ONLINE at this HERE.
Remember that the court notifies your creditors by mail. It may take a few weeks for this to be processed by your creditors. If a creditor calls you or sends you a letter you need to first call them to provide them your case number and our contact information. If you have already done this and they are still contacting you then you can notify the office HERE
Directions to Court
http://www.ganb.uscourts.gov/court-info/court-locations
What is my discharge date?
Your discharge date is the date that you are eligible to receive your discharge from the case. Once your case is discharged your debts are then removed.
To see a sample Chapter 7 Hearing Notice please click HERE
How to Pay Filing Fee Installment
If you did not pay your full filing fee upfront when you file then you will need to pay your court filing fee DIRECTLY to the clerk of bankruptcy court.
If you paid $78.00 to file then you only paid a portion of the $338.00 fee.
Your installment payment is due 30 days from today and then the balance of the fee is due in the next 30 days.
You need to make your installment payment to the Clerk of Bankruptcy Court (NOT TO OUR OFFICE). You can make this payment ONLINE HERE.
You will receive a notice of installment payments and If you have ANY questions you can call the clerk of bankruptcy court at 404-215-1000.
Our office has NOTHING to do with these fees so make sure you contact the bankruptcy court IMMEDIATELY.
Request a Copy of Your Tax Return From the IRS
Permission to Speak Directly to a Creditor
Permission to Speak Directly to Your Mortgage Company
Requst a Copy of Your Social Security Card
Affidavit Regarding Income Contribution
Affidavit Regarding Last Filed Tax Return
Affidavit Regarding No Tax Return Required
Garnishment Information for Employers
If you are currently being garnished by a creditor your employer actually has the LEGAL ability to stop it instantly instead of waiting for a release from the creditors which can take a week or two.
Once you case is filed please provide your employer the following:
Letter to employer regarding the garnishment
Pre-signed letter from us for you to provide your payroll/HR department
Sometimes email just doesn’t cut it and you want to talk to someone to review your questions. No problem! We make it really easy to do that. You can schedule a time to review directly on their calendar.
Receive a letter you aren’t sure about? Need to get documents to your attorney? Our easy upload form makes it easy!
Receive a letter you aren’t sure about? Need to get documents to your attorney?
Uploading documents to our firm is fast, easy and secure! Just complete the form, attached your documents, and just let us know what is needed.
Client’s love this feature because many times you may not be sure who is supposed to assist you with that specfic issue. This takes the guesswork out of it!
Just upload and we will review and make sure you issues is handled ASAP!
We invite you to contact us either online or by phone at 404-919-7296 to schedule a FREE confidential consultation to review your personal financial situation and what options we can provide to protect you from creditors. For additional information about bankruptcy please also check out our YouTube Channel which has up to date vlogs on issues related to personal bankruptcy.
