Columbus, GA Bankruptcy Law Firms & Lawyers

You can file bankruptcy if you qualify and discharge your dischargeable debts, ie some debts are not dischargeable. Im happy to discuss these and any other issues you have. Please call to schedule a free consultation.

The assets you are allowed to keep and those which must be liquidated are determined on a case-by-case basis. Chapter 13 bankruptcies are complicated. You should consult with a bankruptcy attorney to explore which exemptions will apply in your case, allowing you to keep property in which you have equity. You may be able to reaffirm the loan on the trailer and keep making the payments. Your equity in it will be a major factor in this determination.

If this is a valid debt that has not been paid and is being collected by a valid debt collector, then they can serve you with a Summons and Complaint which initiates a law suit against you. They can not drag you to court. Also, if the debt is less than five thousand dollars, you would be sued in Small Claims Court. No one can physically drag you to court. If this is a pay day loan which I am relatively sure, based on your description, it is, then almost all the collection activity against you is illegal. DO NOT USE PAYDAY LOANS. They usually result in the loanee being scammed. A person takes a small loan out and offers their SS# and other particulars. Later, a "debt collector" will try to collect, whether or not the consumer paid it back or even received the loan. Meanwhile they sell the SS# and identity theft ensues. Try demanding a mailing address or a full business name. If the caller refuses to answer or you cannot verify the information, you can be sure its a scam. They will continue to make absurd claims and harass you and threaten illegal actions. They will hassle people at your workplace, so it is in your best interest to let them know this is fraudulent. You should research the company that is trying to collect from you. They may pretend to be a legitimate company; if so contact the actual company to verify their employment. The worst part about payday loan collectors is that even if you make the full payment, they will continue to come after you for years. Also they are often selling your personal information and your identity. Contacting the FBI rarely helps, but should still be done when you are sure this is a fraudulent collector. In the meantime, you would be best served to also learn more about the Fair Debt Collection Practices Act and how to protect yourself. Find a well versed and experienced consumer attorney. AND NEVER NEVER TAKE OUT A PAYDAY LOAN AGAIN! Thanks for tuning in.