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H. Lehman Franklin, P.C.

Maintaining Your Dignity with Bankruptcy

Are you concerned that filing for bankruptcy is shameful? If so, you are not alone. Many debtors are worried they will be looked upon negatively if it becomes known they filed for bankruptcy. The alternative is that you continue to struggle with debts in a situation that becomes increasingly untenable. ...
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What To Do When Facing Foreclosure

If a lender decides to legally foreclose on your property as a result of you defaulting on payments, you have limited time in which to save your home. The lender has the right to begin this process, but you still have options once the ball is already rolling on foreclosure...
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Resolving Credit Card Debt

Although there are a number of possible ways to resolve credit card debt, including filing for bankruptcy, there is no one-size-fits-all answer. It’s important to consider all your options and base any choices you make on your unique financial circumstances.  Negotiate an Arrangement There are 5 types of arrangements credit...
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5 Reasons to Consider Bankruptcy

Bankruptcy is one of the many options debtors can take to regain financial stability. There are plenty of good reasons to consider bankruptcy; however, that doesn’t mean it is always the most suitable way of managing debt. After reading the following 5 reasons for choosing bankruptcy, consider whether it is...
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How to Qualify for Chapter 12 Bankruptcy

Chapter 12 bankruptcies are intended to help a family farmer or a family fisherman restructure debt while maintaining continued operations. There are a number of eligibility requirements of a Chapter 12 bankruptcy that you should understand before filing, as this may not be the right option for your business.  Total...
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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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