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How to Decide Which Chapter of Bankruptcy to File: Chapter 7 or Chapter 13?

Once you’ve decided that bankruptcy is the right solution for your financial situation, you will need to decide which type of bankruptcy is most beneficial. While there are many different “flavors” of bankruptcy available, the two chapters that apply to most consumers are Chapter 7 and Chapter 13. Choosing the Right Type of Bankruptcy In […]

The Bankruptcy Process: What to Expect When you File Bankruptcy

  Making the decision to file for bankruptcy can be daunting. Once you decide that bankruptcy is the right choice for you make sure that you understand the process from start to finish. When filing for bankruptcy, there are a number of steps to take in order for your petition to be approved: 1. Your […]

Suspending Your Trustee Payments (Temporarily) While in Bankruptcy

A typical chapter 13 bankruptcy case requires that you make monthly payments to a chapter 13 trustee over the life of your plan. This plan could last anywhere from 36 to 60 months. Your plan may run less than that provided you pay off the debt in full. Unfortunately for many of our clients, during […]

Title Pawn Loans in Bankruptcy: How Are they Treated?

A title pawn is a transaction where the title to a vehicle is transferred to a pawnbroker in exchange for a loan. The transfer is subject to the borrower’s right to “redeem” the title. Under the Georgia Code, the transaction is treated as a sale with a qualified right of redemption. These terms are set […]

Chapter 13 and Chapter 7 Bankruptcy: What is the Difference?

Whenever I do a new client consultation one of the first things I do is explain the difference between Chapter 13 and Chapter 7.  While the United States Bankruptcy Code provides for six distinct chapters of bankruptcy: Chapters 7, 9, 11, 12, 13 and 15, the two chapters that deal with an individual filing bankruptcy […]

loan modification Georgia

Loan Modification Scams

Now that the economy has rebounded, and consumers actually want to keep their homes, our office is seeing a surge in victims of loan modification scams.  Georgia consumers need to remember that there is NOTHING these companies do for you that you cannot do yourself.  All lenders have their own loan modification forms which you […]

Personal Injury Lawsuits in Bankruptcy Cases

Personal injury law and bankruptcy law are probably the most interrelated areas of law in my practice.  When people are injured they cannot work and when they cannot work they cannot pay their bills.  It does not take too long before they are facing repossession, foreclosure, and creditor harassment.  Filing for bankruptcy protection will stop […]

Georgia State Law School Bankruptcy Clinic

Giving back with legal pro bono work

Pro bono work is a core responsibility of Saedi Law Group. Our firm is committed to serving the public good and providing legal services to those who cannot otherwise obtain legal representation. Our lawyers work on pro bono matters throughout their careers at our firm.  We champion pro bono work through partner mentoring, training opportunities […]

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