Georgette Miller Law

Article By: Georgette Miller, Attorney at Law A lien placed on your property can cause significant problems when you decide to sell the property, but it can also have a major effect on your credit as well. Liens can be placed on anything you own, including your home and vehicle. In fact, when you have a […]

Article By: Georgette Miller, Attorney at Law Family #1 manages to pay off $40,000 in debt in two years on a $35,000 annual income. Family #2 makes $100,000 a year but can’t seem to make the slightest dent in the same amount of debt. Why is that? Obviously, the second family has a spending problem. They […]

Article By: Georgette Miller, Attorney at Law Your credit score determines if you will qualify for a loan and the amount of interest you will be required to pay on that loan. It is also used sometimes to qualify you to rent an apartment and has been used in hiring decisions for certain industries. A higher […]

Article By: Georgette Miller, Attorney at Law Dealing with creditors can be stressful, confusing and infuriating. They often use scare tactics, bullying and sometimes falsehoods to try to get you to pay a debt despite the fact that you have repeatedly explained that you are unable to pay. You may want to pay the debt but, […]

Article By: Georgette Miller, Attorney at Law Falling behind in your mortgage payments can be frightening. The further behind you fall, the less chance you have of bringing it up to date. As you fall further and further behind, you know that foreclosure cannot be too far in the future. At this point you should ask […]

Article By: Georgette Miller, Attorney at Law Falling behind on a mortgage can happen to anyone whether it is due to a job loss, unexpected illness or simply losing control of your finances. Foreclosure may be on the horizon and you know there is little chance you can bring the payments up-to-date. It is important […]

Article By: Georgette Miller, Attorney at Law What Is a Homeowner’s Association? When you purchase a home in a development, you may be required to join a Homeowner’s Association. Unlike most groups found in neighborhoods, a Homeowner’s Association, or HOA, requires you to pay dues and follow any rules or standards set by the HOA […]

  Article by:  Georgette Miller, Attorney No one wants to spend longer making mortgage payments than they have to. The obvious way to pay off a mortgage faster is to get a shorter-term loan, like a 15-year instead of a 30-year. But on a $300,000 home purchase with 10 percent down, you’ll pay about $620 […]

Article by Georgette Miller, Attorney HOW WILL BANKRUPTCY AFFECT JOINT ACCOUNTS AND COSIGNERS? Filing for bankruptcy is a difficult decision, but there are cases where it is the only option to get out from under debt that may be causing stress, fear and even health problems. In most cases, only the person who files bankruptcy is […]

Who Is Legally Responsible for Credit Card Debt After Death? Article by Georgette Miller, Attorney When a loved one passes away, it is a difficult time with many decisions that must be made related to funerals, burial and disposing of their belongings. When creditors begin to call to collect on the deceased person’s debts, the loss of […]

7 Myths About Bankruptcy Everyone Thinks is True By Georgette Miller, Attorney   When you are faced with mounting debt, dealing with collection calls and struggling to make ends meet, bankruptcy is one of the best ways to get a financial fresh start. Yet, many people resist filing for bankruptcy due to many of the […]

4 Signs That You Should Consider Bankruptcy Article by Georgette Miller, Attorney Even the best budgeter and financial planner can suffer financial difficulties. Sudden job loss or an unexpected illness can destroy even the best-planned budget. You can fall behind on your bills, be dealing with collection calls that border on harassment and are not sure what […]