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John E. PytteJohn E. Pytte | Your Georgia Debt Relief Specialist
Claimed Lawyer ProfileQ&A
My focus is to ensure the outcome my clients have been searching for. I specialize in Chapter 13 and Chapter 7 and a fresh start, because we all deserve that. I have been practicing Bankruptcy Law since 1996. My staff and I are here to ensure 100% satisfaction.
- Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
We sit and do a thorough budget and go over a credit report and will lay out the options.
Credit Cards Accepted
All major Credit cards/ Debit Cards
We can typically workout a payment plan.
Jurisdictions Admitted to Practice
- State Bar of Georgia
- English: Spoken, Written
- Attorney / Founder
- John E. Pytte | Your Georgia Debt Relief Specialist
- The University of Georgia School of Law
- J.D. | Bankruptcy Law
- Trinity University
- B.A. (1991)
- State Bar of Georgia  # 590555
3 Questions Answered
- Q. Hi I would like to know how the law works when u have a case against a company but they file bankruptcy,
- A: I second Mr. Winterstein's reponse. I would only add that every Chapter 11 is different and it would be worth consulting an attorney who could review the Chapter 11 plan and advise on your best course for the case at hand.
- Q. Need to file bankruptcy for credit card debt. I have one credit card that is joint with my husband.
- A: The first step is to confirm whether it is truly a joint account or if one of you is just an authorized user. If you didn't both sign the application, or both provide your information in the application, it may well be that one of you is the account holder and the other an authorized user. An authorized user can be removed from the account. If the account is really his, and you are an authorized user, you can be removed from the account. In that case, it's not your debt and it would not be included in your chapter case. This may be the best case scenario. If the account is really yours, and he is an authorized user, you would need to call and have him removed. This can still be a problem, however, because you would need to include the debt in your chapter filing. And if the lender still reports to his credit, even after he has been removed, the account will show up on his report as "included in bankruptcy." If it turns out to be in fact a joint account, then Mr. Denison's response is 100% correct.
- Q. Chapter 13 Bankruptcy (in GA). Would a plan payment increase if you get new job that pays $10K more annually?
- A: The Bankruptcy code doesn't require clients to report increases in income, and in the Southern District of Georgia, there is no reporting requirement. Different courts have different local rules on the issue and you should check with your attorney on the local rules. However, if you obtain a new asset, a personal injury claim, inheritance, or lotter winning you are required to report and should do so right away.
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