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H. Lehman Franklin, P.C.

Chapter 11: When You Have Stuff, but Not Money

Chapter 11 bankruptcy is typically reserved for businesses that are facing financial hardship. Your business could be a corporation, partnership, or limited liability company (LLC), and filing for Chapter 11 bankruptcy may provide the solution to cash flow problems that are impeding the continued operation of the business. However, individuals...
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5 Signs Chapter 7 Might Be Right for You

You may have heard that filing bankruptcy will solve all your financial problems. While this is not strictly true in all cases, there are signs you should look out for that may suggest bankruptcy is the right option for you. For instance, Chapter 7 bankruptcy can result in the discharge...
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What You Can Do About Wage Garnishment

There are limits to how much of your earnings creditors can take under Georgia law. Wage garnishment is limited to 25% of your disposable earnings; or your disposable earnings less 30 times the current federal minimum wage. There are also actions you may take under certain circumstances to stop or...
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Safety 101 for Motorized Scooters

Motorized scooters are an essential mode of transportation for many people, and for others, they are a fun and convenient way to get from A to B. Using motorized scooters safely is important, regardless of why you’re using them. They may not match a Mercedes for speed but they can...
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Hospital Negligence: When Healthcare Fails

When you go to hospital for diagnosis or treatment, you trust that the medical professionals charged with your care are competent. However, in those instances where healthcare fails, it often causes harm to patients. Factors in hospital negligence may include carelessness or overworked staff, but in all cases, patients who...
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When Friends Become Involved in a Boat Accident

Watercrafting is a fun activity, and Georgia’s waterways provide plenty of opportunities for friends to make memories together. However, it is important to stay safe while on the water. Being involved in a boat accident can be a terrifying experience, especially when friends are at risk of suffering serious injury...
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Does Age Matter in a Motorcycle Accident?

Does age matter in a motorcycle accident? It’s an interesting question as it pertains to liability. The answer depends on whose age is being queried and that person’s role in the motorcycle accident. Each case is different, but there are scenarios where age may affect the outcome of a personal...
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Georgia Bankruptcy Property Exemptions

Each state has exemption laws which are designed to protect certain property from creditors, as part of the bankruptcy process. You can protect equity in your home, vehicle, or personal property up to certain dollar amounts when you file for Chapter 7 or Chapter 13 in Georgia. Georgia does not...
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What Costs Less: Chapter 7 or Chapter 13?

If you are considering bankruptcy, it is important to understand the costs and benefits involved. You have the opportunity to eliminate debts that have been crippling you financially. Chapter 7 and Chapter 13 are the most common programs for individuals. If you are exploring reorganizing business debts, Chapter 13 may...
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How Much Do You Need to Owe to File Bankruptcy?

Bankruptcy is a useful mechanism that can get individuals and businesses out of serious financial hardship. However, abusing bankruptcy laws is not the best way to address debts. If you are struggling to keep up-to-date with payments to creditors, consider all your options before rushing into bankruptcy. How much debt...
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