Blog: 2015

Debt Relief A considerable number of people in the state of Georgia find themselves in need of debt relief assistance. This includes men and women who live in/around Savannah and Hinesville. An experienced attorney like John E. Pytte can provide legal advice in Savannah or Hinesville about an individual's various debt struggles, and how to find a debt relief solution.

Debt Consolidation

Chapter 13 Bankruptcy There are many Georgia residents who need debt relief. They don't want to file Chapter 7 bankruptcy; they just need a plan to help them pay back their creditors. These individuals are able to pay their debts if payments can be adjusted to their income. People in this situation seem to favor filing Chapter 13 bankruptcy. It is also called the “wage earner’s” plan. This enables them to combine their debts and pay them using a repayment schedule mandated by the bankruptcy court. 

Mortgage for Bad CreditBorrowers who have low credit scores often mistakenly believe that it is impossible for them to get a mortgage, so they never make the effort. This can be a serious financial mistake, especially if you're struggling with high rent payments that could otherwise be building equity in the form of a home loan.


A foreclosed home is put up for sale when the previous homeowner isn't able to stay on track with timely payments. In most cases, the bank holding the mortgage will work with the homeowner to help them avoid losing their home. It's only when the homeowner doesn't make payments that the bank will decide foreclosure is the only option.

Reasons for Foreclosure

There are many reasons why a homeowner might miss their mortgage or loan payment. The homeowner could have lost his/her job, run into medical problems, or not budgeting properly, so that they can't afford to make the necessary payments. While there could be various reasons a homeowner misses mortgage payments, the only reason for foreclosure occurs when the loan is not being paid off. In a foreclosure, the bank or lending company will force the owner out of the home, so that it can be sold to help cover the bank’s costs.

Student LoansHow to Forgive and Forget Your Student Loans Forever 

Pervasive economic recession, rising tuition costs, and a tight job market have converged to prompt unprecedented student loan default rates. Many recent graduates are caught in a cruel financial Catch-22 of being unable to find suitable employment, which can make it difficult or even impossible to start paying back student loans on time. Meanwhile, these graduates’ credit ratings rapidly go to ruin, thereby posing an even greater barrier to buying a home or achieving financial stability.

Given these difficult conditions, it is no wonder why a growing number of college grads want to learn more about student debt forgiveness. So we’ve created a basic guide for getting out from under crushing educational debt.

Debt ReliefWhat to Bring for Your Initial Consultation With A Bankruptcy Lawyer


Recent recessionary times have prompted a growing number of Americans to seek permanent debt relief through court-ordered bankruptcy protection. While panic and desperation may be perfectly normal amid such acute crises, it is most important to keep a level head when external circumstances grow hectic.

Toward those ends, a checklist of items to bring to your first consultation with a bankruptcy attorney is provided below.

Chapter 7 Bankruptcy, Chapter 13 Bankruptcy What You Need to Know about Your Meeting of Creditors

If you are facing overwhelming financial problems, a Chapter 7 bankruptcy or Chapter 13 bankruptcy offers you and your family a way to reorganize your finances so you can get back on track. 

Everyone in America has the right to file for bankruptcy. This is a legal option that offers debt relief and for people who have accrued more debt than they can pay for or have had unfortunate events like unemployment or illness that has limited their ability to make their regular monthly payments. 

Chapter 7 Bankruptcy If you or a loved one is living under the stress of being in debt, this takes a real toll on your health and your well-being. The bright side of the situation is that qualifying consumers can file for bankruptcy protection to help them reorganize their finances and get back on their feet again. Here are some things you may not have known about filing bankruptcy:

Reduce Monthly Payments

A Chapter 13 bankruptcy filing allows consumers to keep many of their assets and cut their monthly payments by reorganizing their debt.

Chapter 13 bankruptcyChapter 13 Bankruptcy &  Chapter 7 Bankruptcy

If you are in debt, dealing with collection calls and threats of wage or property garnishments, you understand the stress and anxiety such a situation can cause. Your indebtedness may be through no fault of your own as you may have lost your job or incurred significant medical bills. Bankruptcy is an option available that can help give you a fresh start, eliminate those collection proceedings and get you back on your feet again. However, before filing for bankruptcy, there are some important things that you need to know, such as what is Chapter 7 bankruptcy or what is Chapter 13 bankruptcy. Learn more about the different types of bankruptcy.

What Is Bankruptcy?

Bankruptcy is not something to be taken lightly. It is a federal court process that is designed to help you eliminate debts and, if possible, repay them under the protection of the bankruptcy court.

Bankruptcy How Your Property Can be Affected by Bankruptcy

Bankruptcy is a tool used by debtors to eliminate debt. However, bankruptcy poses a great danger to your property and credit score. You are probably wondering is there any way how to raise my credit score after a bankruptcy case. The following paper seeks to cover the different ways of filing for bankruptcy, the effect of bankruptcy on your property and "how to fix my credit score."


Types of Bankruptcy

Under the Bankruptcy Code of the U.S., you can either file a chapter 7 or a chapter 13 bankruptcy.