Coastal Georgia Bankruptcy

When Debt Collectors Call When debt collectors call, it is important to know your rights and what you can do. The Fair Debt Collection Practices Act (FDCPA) makes is illegal for debt collectors to use abusive, unfair, or deceptive practices when attempting to collect a debt. Below are some FAQ’s that may help you understand what debt collectors can and cannot do: What debts can collectors contact me about?... Debt collectors can contact you about credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts. They should not contact you about business debts. When & where can debt collectors contact me? Debt collectors can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if they’re told you’re not allowed to get calls there. How can debt collectors contact me? Debt collectors can call you, or send letters, emails, or text messages to collect a debt. How can I stop a debt collector from contacting me? You can send a letter by mail asking for contact to stop. It is a good idea to keep a copy of the letter and send it by certified mail, so you have a record the collector received it. Once the collector gets your letter, it can only contact you to confirm it will stop contacting you, or to tell you a specific action, like filing a lawsuit, will be taken. Bankruptcy will stop collections actions and will help you eliminate the debt or manage repayment on terms you control. If you are represented by an attorney, and inform the collector, the collector must communicate with your attorney, not you. What are debt collectors not allowed to do? Debtor collectors can’t: threaten you with violence or harm, use obscene or profane language, repeatedly use the phone to annoy you, misrepresent the amount you owe, lie about being attorneys or government representatives, falsely claim you’ll be arrested, or claim legal action will be taken against you if it’s not true, try to collect interest, fees, or other charges on top of the amount you owe (unless the original contract or your state law allows it), deposit a post-dated check early, take or threaten to take your property unless it can be done legally If you are getting contacted by a debt collector, of if you’re ready to learn about your debt-relief options, the team at Coastal Georgia Bankruptcy can help. We offer representation in Chapter 7 and Chapter 13 bankruptcy matters, foreclosure, repossessions, garnishments and debt settlements. Call (912) 271-2724 or visit us at coastalgabankruptcy.com.

For those of you dealing with businesses in the process of reopening, it is important to note that employees that refuse offers to return to work may be ineligible for unemployment benefits. (click on link below)

Today we remember and honor the heroes we have lost. You will never be forgotten.

Do you know how to protect your stimulus money in bankruptcy? The recently enacted Coronavirus Aid, Relief, and Economic Security Act (the CARES Act) was signed into law on March 27, 2020. The CARES Act provides an unprecedented $2 trillion of financial aid intended to assist businesses, individuals and families impacted by the COVID-19 pandemic. Included in this assistance are direct payments to qualifying taxpayers and their families. Also, included in this legislati...on are temporary amendments to the Bankruptcy Code that impact small businesses and individuals. These temporary amendments affect those considering bankruptcy protection and those that have already filed. If you are facing financial issues caused by COVID-19, make sure you contact an experienced bankruptcy attorney. At Coastal Georgia Bankruptcy we will guide you through the process, help protect stimulus funds received and help take advantage of CARES Act amendments intended to help those businesses and individuals considering bankruptcy. Let Coastal Georgia Bankruptcy and attorney Drew Stutzman help you navigate stimulus money pitfalls. We recognize the impact the coronavirus outbreak is having on lives, businesses and communities around Coastal Georgia. To continue assisting both current and future clients seeking assistance or guidance during these trying times our office remains open during normal business hours and we are taking all necessary precautions to protect the safety of our clients and the community

**Health Care Planning Discussed With Financial Consultation** We understand that in addition to financial worries our clients are concerned about the future of their family and loved ones. Therefore, our free no-obligation consultations will also provide assistance regarding Advanced Health Care Directives and Durable Powers of Attorney. These customizable documents will assist you and your loved ones in making financial and healthcare decisions during these difficult and troubling times. All consultations can be done remotely, either by telephone or video conference. Offering these additional services is just another way Coastal Georgia Bankruptcy can help provide peace of mind during this unpredictable financial and social situation, assuring our clients we are always there to help.

**COVID-19 Crisis Financial Issues** Coastal Georgia Bankruptcy was established with the mission of helping people through periods of financial hardship and stress. While social distancing may keep us apart physically, it will not stop the team at Coastal Georgia Bankruptcy from providing sound financial advice and assistance during these trying times. If you are struggling to meet your financial obligations or are concerned about how COVID-19 may affect your financial future, please call (912) 721-2724 or schedule an appointment through our website coastalgabankruptcy.com. Our attorney, Drew Stutzman, will continue to be available by phone anytime and for the safety of our community all consultations can be done remotely, either by telephone or video conference.

Contact Coastal Georgia Bankruptcy and take the first step to a new tomorrow!