GET OUT OF DEBT FOR 2017

Are you already broke and you haven’t even started Christmas shopping for family and friends?  If so, we NEED TO TALK.  With the holiday season upon us, the last thing you should have to worry about is bill collectors calling you about mounting debt.  If your bills are already piled up, give our Bankruptcy Attorneys 

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Attorney Brian Carmichael National Advocates Top 100 Bankruptcy Lawyer

The Columbus, GA Bankruptcy Lawyers of Carmichael Law Group LLC are pleased to announce that Mr. Brian R. Carmichael has again been selected for inclusion into The National Advocates, Bankruptcy Law specialty, for 2016-2017 an honor given to only a select group of lawyers as recognition of their superior skills and qualifications in the field. 

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Study Finds Bankruptcy Filing Increases Annual Earnings and Reduces Stress

Are you in the Columbus, GA area and find yourself experiencing mounting debt?  If so, the bankruptcy lawyers of Carmichael Law Group LLC want you to know you have options to address your bill problems once and for all.  Moreover, according to a study released in the National Bureau of Economic Research, economists Will Dobbie 

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Use Your Tax Refund to Get out of Debt

It’s that time of year again:  Tax Refund time!  Hard work leads to taxes and if you are lucky enough to receive a tax refund of your hard earned money, the bankruptcy attorneys of Carmichael Law Group encourage you to use your refund wisely.  If you are experiencing mounting debt due to missed credit card 

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Alabama Bankruptcy Exemptions Increase

On June 11, 2015, Governor Robert Bentley signed into law (Act No. 2015-484) increasing Alabama’s bankruptcy exemptions for the first time since 1982.  Effective June 11, 2015 (same day as signing) debtors are entitled to the following: Personal property exemption of $7,500 (§6-10-6; §43-8-111) Homestead exemption of $15,000 (double, if married) (§6-10-2; §43-8-110) Personal property 

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Bankruptcy – Addressing Your Financial Past

When you have large amounts of old debt you can find yourself caught between two worlds; the present where you are trying to pay your rent, utilities, car payments and other living expenses – and the past, where you are unable to pay for old debts that you are now receiving debt collection calls from. 

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Wage Garnishment in Alabama

Many people I meet with for bankruptcy consultations are concerned that their wages are going to be garnished because they have missed a few payments on their credit cards. This is certainly a legitimate concern. Although it’s important to understand that just because you have missed credit card payments your wages will not be garnished. 

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Back to School and Out of Debt

A new school year can be a stressful and exciting for students and adults alike. We barely get into the swing of a relaxing summer before it’s time for school to start once again. A new school year brings a new routine; one that we all know too well with just a few changes year 

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Chapter 7 Bankruptcy Discharge

The goal of a Chapter 7 Bankruptcy petition is to receive a discharge order from the Bankruptcy Court.  What exactly is a discharge order and what protections does it provide? Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor 

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Alabama Bankruptcy Filing Fees Increase June 2014

Are you experiencing bill problems with no hope in sight? If so, bankruptcy could provide you a way to address your bill problems giving you a fresh financial start. If you have been putting off filing only to find more and more collection calls, we encourage you to consider filing before filing fees increase. The 

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