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Bankruptcy Attorney

Let's face it: you probably aren't an expert on how to untangle yourself from an awful financial mess. You can be swamped with debt but not have any clue who to call. The answer may suprise you: a bankruptcy attorney. Experienced and knowledgeable on all the various aspects of financial distress, a bankruptcy attorney is essential to relieving your monetary anxiety.

The following are perfect times to give one a call:

Credit ScoreYour credit score is a sneaky little number that seems to follow you around everywhere. It can affect your ability to take out a loan or credit card, or to receive the best possible interest rates. But where does the score come from, and how can you improve it? The credit score itself is generated from a credit report. The science behind the score can seem murky and convoluted, and it can be difficult to understand how to raise credit score. Below are some simple starting points to help get you started. 

Chapter 13 BankruptcyWhen you believe you may have to file for Chapter 13 Bankruptcy in Savannah, you can be hit with a taxing series of emotions. Debt is emotional. This situation can affect every area of your life and you will undoubtedly be nervous and anxious about what to do next. Maybe you’ve suffered the loss of your job or perhaps a health situation has led to this debt. Maybe the recent economic situation has put you into a position you never imagined you could be in. An experienced attorney like John E. Pytte and his team have counseled many individuals experiencing Chapter 13 Bankruptcy in Savannah over the years, so they understand the emotional turmoil you are probably experiencing. They will offer comfort, advice, and a helping hand every step of the way.

Income Tax DebtWhen you are facing income tax debt in Savannah, you may feel like your situation is hopeless. The Internal Revenue Service (IRS) is very aggressive with their penalty fees and high interest rates. Even small tax debts can soon accumulate into enormous tax burdens when fees and penalties are applied.

Dealing with the IRS is intimidating. Even if you believe that the tax debt you are faced with is incorrect, the entire process is designed to make the individual feel helpless so that the IRS can collect as much money as possible. Many people even avoid this confrontation because of this helpless feeling. However, not dealing with the IRS and ignoring the situation will make matters worse.

Thankfully, there are ways to deal with this tax problem that will not cause you significant problems either financially or emotionally.

 

Car RepossessionThe Reality Of Vehicle Repossession
Sometimes an unfortunate situation can plague people when they least anticipate it. A bad set of circumstances can prevent an individual from being able to pay their bills for a brief or extended period of time. As a result of these circumstances, an individual’s car can be repossessed. In this regrettable legal dilemma the rights of the buyer and seller, as well as repossession of a motor vehicle, are described in the Official Code of Georgia, Section § 10-1-36. Getting your car taken away is not an easy thing to deal with, and it is important to note that there are solutions to your problem. Vehicle Repossession in Savannah, GA can be resolved. When it does occur, it's important you have the assistance of an experienced attorney so that you can understand the laws surrounding your situation, and how it can be resolved.

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.

Foreclosure

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.