--- title: Georgia Bankruptcy Blog | Orson Woodall (4) description: Orson Woodall, owner and founder of Woodall & Woodall, is a 25-year veteran attorney helping Georgians break free of the stress and difficulty of overwhelming debt through bankruptcy. Based in Valdosta, GA, Orson Woodall and his Woodall & Woodall firm have assisted more than 22,000 individuals through bankruptcy and helped them regain their financial footing. (4) --- ![](https://www.orsonwoodall.com/hs-fs/hubfs/Associate%20Pics/Orson-Headshot-Square.jpg?width=140&name=Orson-Headshot-Square.jpg) # Orson Woodall Orson Woodall, owner and founder of Woodall & Woodall, is a 25-year veteran attorney helping Georgians break free of the stress and difficulty of overwhelming debt through bankruptcy. Based in Valdosta, GA, Orson Woodall and his Woodall & Woodall firm have assisted more than 22,000 individuals through bankruptcy and helped them regain their financial footing. [Contact Orson](https://www.orsonwoodall.com/about-us/william-o-woodall-4260780) ### Orson's Recent Posts [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20-%20BLOG%20POST%20(1).jpg?width=300&name=Woodall%20-%20BLOG%20POST%20(1).jpg) ## 10 Signs You May Want to Consider Filing for Bankruptcy Life is unpredictable and dealing with debt is stressful. Even when you do your best to manage bills and make ends ... ](https://www.orsonwoodall.com/blog/10-signs-you-may-want-to-consider-filing-for-bankruptcy) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20-%20BLOG%20POST%20(1).png?width=300&name=Woodall%20-%20BLOG%20POST%20(1).png) ## 5 Questions You Should Ask Your Bankruptcy Attorney If you’re just starting your bankruptcy journey, it’s important to work with the right attorney and ask the right ... ](https://www.orsonwoodall.com/blog/5-questions-you-should-ask-your-bankruptcy-attorney) [![](https://www.orsonwoodall.com/hs-fs/hubfs/holiday%20scam%20(2).png?width=300&name=holiday%20scam%20(2).png) ## Popular Online Holiday Scams to Avoid Tis’ the season for giving. And taking. As more Christmas shopping is completed online, scammers and cybercriminals are ... ](https://www.orsonwoodall.com/blog/popular-online-holiday-scams-to-avoid) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20-%20BLOG%20POST.jpg?width=300&name=Woodall%20-%20BLOG%20POST.jpg) ## Enjoy this Season with Your Family: 4 Tips to Help This time of year is not meant to be stressful. Thanksgiving and the start of the holidays should be spent bonding as a ... ](https://www.orsonwoodall.com/blog/enjoy-this-season-with-your-family-4-tips-to-help) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20-%20BLOG%20POST.png?width=300&name=Woodall%20-%20BLOG%20POST.png) ## Struggling To Pay Down Medical Debt? When it comes to seeking medical treatment, you don't want to think about the potential bills. Getting back to optimal ... ](https://www.orsonwoodall.com/blog/struggling-to-pay-down-medical-debt) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20-%20a%20note%20on%20family-1.png?width=300&name=Woodall%20-%20a%20note%20on%20family-1.png) ## Student Loan Relief: What You Need to Know In response to the economic hardship created by the coronavirus pandemic, the U.S. government suspended payments and ... ](https://www.orsonwoodall.com/blog/student-loan-relief-what-you-need-to-know) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Copy%20of%20Woodall%20-%20a%20note%20on%20family.png?width=300&name=Copy%20of%20Woodall%20-%20a%20note%20on%20family.png) ## A Note About Family I normally send out blogs concerning financial information that I think will be helpful to our clients. This month I ... ](https://www.orsonwoodall.com/blog/a-note-about-family) [![](https://www.orsonwoodall.com/hs-fs/hubfs/wage%20garnishment.jpg?width=300&name=wage%20garnishment.jpg) ## How to Stop Wage Garnishment Wage garnishment can leave you with little to no money for basic necessities, causing even more debt. Seeking legal ... ](https://www.orsonwoodall.com/blog/how-to-stop-wage-garnishment) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Woodall%20blog.png?width=300&name=Woodall%20blog.png) ## Stimulus Checks Will Not Give You Financial Freedom If you're still struggling to make ends meet and manage your debt despite the economic relief packages, you're not ... ](https://www.orsonwoodall.com/blog/stimulus-checks-will-not-give-you-financial-freedom) [![](https://www.orsonwoodall.com/hs-fs/hubfs/monthly-budget-planning-low2.jpeg?width=300&name=monthly-budget-planning-low2.jpeg) ## Cash Management in a Pandemic The COVID-19 pandemic that began early last year caused unemployment figures to skyrocket. Businesses, especially in ... ](https://www.orsonwoodall.com/blog/cash-management-in-a-pandemic) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Canva%20images/orson%20blog-1.png?quality=low&width=300&name=orson%20blog-1.png) ## Don't Wait For Relief That Might Never Come It's been eight months since the CARES Act passed. Now, you may have heard that Congress is finalizing another stimulus ... ](https://www.orsonwoodall.com/blog/dont-wait-for-relief-that-might-never-come) [![](https://www.orsonwoodall.com/hs-fs/hubfs/job-applicant.jpg?width=300&name=job-applicant.jpg) ## Can You File for Bankruptcy in Georgia If You're Unemployed? Many Georgia residents have lost their jobs since March 2020 due to the effects of COVID-19 on the economy. ... ](https://www.orsonwoodall.com/blog/can-you-file-for-bankruptcy-in-georgia-if-youre-unemployed) [![](https://www.orsonwoodall.com/hs-fs/hubfs/protective-mask-on-a-american-dollars-background-DU3UEH3-1.jpg?width=300&name=protective-mask-on-a-american-dollars-background-DU3UEH3-1.jpg) ## Why You Shouldn't Wait to File Bankruptcy During COVID It never helps to delay when it comes to finances. We can take action now to protect your assets. Keep those savings ... ](https://www.orsonwoodall.com/blog/why-you-shouldnt-wait-to-file-bankruptcy-during-covid) [![](https://www.orsonwoodall.com/hs-fs/hubfs/concerned-businessman-checking-financial-reports-937BNX6-1.jpg?width=300&name=concerned-businessman-checking-financial-reports-937BNX6-1.jpg) ## The Best New Year’s Resolution: Peace of Mind What You Should Know About Bankruptcy in 2020 It’s that time of year when most people have lost their determination to ... ](https://www.orsonwoodall.com/blog/the-best-new-years-resolution-peace-of-mind) [![](https://www.orsonwoodall.com/hs-fs/hubfs/House-1200px.jpg?width=300&name=House-1200px.jpg) ## Down Payment Affordability: Tips for Millennial Homebuyers Don't let common misconceptions about down payments prevent you from owning a home. ](https://www.orsonwoodall.com/blog/down-payment-affordability-tips-for-millennial-homebuyers) [![](https://www.orsonwoodall.com/hs-fs/hubfs/sad-couple-home-bankruptcy-1.jpg?width=300&name=sad-couple-home-bankruptcy-1.jpg) ## Bankruptcy And Your Home: What You Need To Know If you are facing foreclosure, contact an attorney who has experience handling bankruptcy in Georgia. ](https://www.orsonwoodall.com/blog/bankruptcy-and-your-home-what-you-need-to-know) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Student-Debt-Bomb-1200x628-v2.png?width=300&name=Student-Debt-Bomb-1200x628-v2.png) ## NACBA Calls to Restore the Student Loan Bankruptcy Discharge As America’s student loan debt continues to spiral out of control, the National Association of Consumer Bankruptcy ... ](https://www.orsonwoodall.com/blog/nacba-calls-to-restore-the-student-loan-bankruptcy-discharge) [![](https://www.orsonwoodall.com/hs-fs/hubfs/activity-fitness-footwear-1556710-1.jpg?width=300&name=activity-fitness-footwear-1556710-1.jpg) ## Walking Is Good For You, And It's Free Walking is an easy, fun, and free habit. Start today. ](https://www.orsonwoodall.com/blog/walking-is-good-for-you-and-its-free) [![](https://www.orsonwoodall.com/hs-fs/hubfs/banknotes-cash-currency-545064.jpg?width=300&name=banknotes-cash-currency-545064.jpg) ## How Bankruptcy Can Stop Your Wage Garnishments When creditors aren't repaid money that you owe, they can seek to collect money directly from your paycheck in the form ... ](https://www.orsonwoodall.com/blog/how-bankruptcy-can-stop-your-wage-garnishments) [![](https://www.orsonwoodall.com/hs-fs/hubfs/bank-bankbook-banking-1020313.jpg?width=300&name=bank-bankbook-banking-1020313.jpg) ## How To Choose The Best Bankruptcy Attorney in South Georgia Here at Woodall & Woodall, we realize that deciding to file for bankruptcy is never an easy decision. You're ... ](https://www.orsonwoodall.com/blog/how-to-choose-bankruptcy-attorney-south-georgia) [![](https://www.orsonwoodall.com/hs-fs/hubfs/happy-young-couple-taking-financial-advice-at-W7ZMSFR.jpg?width=300&name=happy-young-couple-taking-financial-advice-at-W7ZMSFR.jpg) ## Use Your Rent Payment to Rebuild Your Credit After Bankruptcy There are three phases in bankruptcy. The first is deciding where to start and which attorney to use. The second is ... ](https://www.orsonwoodall.com/blog/rebuild-your-credit-after-bankruptcy) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Will-Headshot-Square.jpg?width=300&name=Will-Headshot-Square.jpg) ## William O. Woodall, Jr. named among 2018 Legal Elite by Georgia Trend Woodall & Woodall is pleased to announce that managing partner William O. Woodall, Jr. has been selected as one of ... ](https://www.orsonwoodall.com/blog/will-woodall-named-2018-legal-elite) [![](https://www.orsonwoodall.com/hs-fs/hubfs/aisle-business-buy-811107.jpg?width=300&name=aisle-business-buy-811107.jpg) ## How to lower your grocery bills during the holidays Use these tips to save money on groceries this holiday season. ](https://www.orsonwoodall.com/blog/how-to-lower-your-grocery-bills-during-the-holidays) [![](https://www.orsonwoodall.com/hs-fs/hubfs/accountant-accounting-adviser-advisor-159804.jpeg?width=300&name=accountant-accounting-adviser-advisor-159804.jpeg) ## Pay Off Your Mortgage Early: Easy Tricks Anyone Can Use If you're paying off a mortgage, then odds are it's probably your biggest monthly payment. There are several ways that ... ](https://www.orsonwoodall.com/blog/pay-off-your-mortgage-early-easy-tricks-anyone-can-use) [![](https://www.orsonwoodall.com/hs-fs/hubfs/astronomy-dark-dawn-573238.jpg?width=300&name=astronomy-dark-dawn-573238.jpg) ## Life After Bankruptcy: Your Next Step & What to Avoid There are a ton of taboos surrounding bankruptcy: it'll ruin your credit forever, they'll publish it in the local ... ](https://www.orsonwoodall.com/blog/life-after-bankruptcy-your-next-steps-what-to-avoid) [![](https://www.orsonwoodall.com/hs-fs/hubfs/adult-art-conceptual-278312.jpg?width=300&name=adult-art-conceptual-278312.jpg) ## Wage Garnishments at an All-Time High Have Us Feeling Pretty Low Here's the scenario: you go to the emergency room one day. You don't have insurance, and the bills from the ER visit ... ](https://www.orsonwoodall.com/blog/wage-garnishments-at-an-all-time-high-have-us-feeling-pretty-low) [![](https://www.orsonwoodall.com/hs-fs/hubfs/arms-care-check-905874%20(1).jpg?width=300&name=arms-care-check-905874%20(1).jpg) ## What Happens to Your Medical Debt in Bankruptcy? Medical bills - we all have them. These days it doesn't really matter if you have health insurance or not. If you have ... ](https://www.orsonwoodall.com/blog/what-happens-to-your-medical-debt-in-bankruptcy) [![](https://www.orsonwoodall.com/hs-fs/hubfs/exercise-fitness-jogger-3114.jpg?width=300&name=exercise-fitness-jogger-3114.jpg) ## How Debt Destroys Your Financial Health & When to Know You're in Trouble If you were to think of your financial health in terms of a race towards retirement, do you think you'd finish the race? ](https://www.orsonwoodall.com/blog/how-debt-destroys-your-financial-health) [![](https://www.orsonwoodall.com/hs-fs/hubfs/freedom-handcuffs-hands-247851.jpg?width=300&name=freedom-handcuffs-hands-247851.jpg) ## Pay Off Your Mobile Home in 5 Years in a Chapter 13 Bankruptcy If you bought a mobile home and are already considering filing a Chapter 13, you could have your home paid off in 5 ... ](https://www.orsonwoodall.com/blog/mobile-home-cramdown) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-787476.jpeg?width=300&name=pexels-photo-787476.jpeg) ## Remedy Car-Buying Fever & Lower Your Current Car Payment in Chapter 13 I would like to propose a new standard for tax-refund season and how we spend refunds. As a matter of fact, I would ... ](https://www.orsonwoodall.com/blog/lower-car-payment) [![](https://www.orsonwoodall.com/hs-fs/hubfs/rochelle-nicole-84911.jpg?width=300&name=rochelle-nicole-84911.jpg) ## Student Loans-The Train Wreck We Just Can't Turn Away From Over the last four to five years, people have been using student loans as a form of income when they can't find a job. ... ](https://www.orsonwoodall.com/blog/student-loans-the-train-wreck-we-just-cant-turn-away-from) [![](https://www.orsonwoodall.com/hs-fs/hubfs/tim-marshall-50995.jpg?width=300&name=tim-marshall-50995.jpg) ## Why You Should Consider Bankruptcy Before Getting Your Tax Refund Playing catch-up on your bills....oh the joy. The holidays have come and gone, the new year is in full swing and the ... ](https://www.orsonwoodall.com/blog/why-you-should-consider-filing-bankruptcy-before-getting-your-tax-refund) [![](https://www.orsonwoodall.com/hs-fs/hubfs/lincolnheader.jpg?width=300&name=lincolnheader.jpg) ## Who Files Bankruptcy & How To Know You're Ready Before my clients file bankruptcy, they usually bring up one of their biggest concerns, "How do I know I'm ready to ... ](https://www.orsonwoodall.com/blog/who-files-bankruptcy-how-to-know-youre-ready) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-247077.jpeg?width=300&name=pexels-photo-247077.jpeg) ## Types Of Loans: What You Should Understand Before Borrowing We've already talked about subprime borrowing on auto loans and how it hurts you in the long run. However, there comes ... ](https://www.orsonwoodall.com/blog/types-of-loans) [![](https://www.orsonwoodall.com/hs-fs/hubfs/old-broken-and-abandoned-car-picjumbo-com.jpg?width=300&name=old-broken-and-abandoned-car-picjumbo-com.jpg) ## Loans That Can Lead To Car Repossession: Reasons To Avoid Them At this point, we have been over medical debt and credit card debt, so now we are going to open the next can of worms: ... ](https://www.orsonwoodall.com/blog/subprime-loans-can-lead-to-car-repossession-reasons-why-to-avoid-them) [![](https://www.orsonwoodall.com/hs-fs/hubfs/debit-card-bank-numbers-close-up-picjumbo-com%20(2).jpg?width=300&name=debit-card-bank-numbers-close-up-picjumbo-com%20(2).jpg) ## How Credit Card Debt Hurts Your Credit Score [And 4 Ways It Can Help] One of the most common ways to wipe out that overwhelming credit card debt is to file for bankruptcy. Does that mean ... ](https://www.orsonwoodall.com/blog/how-credit-card-debt-hurts-your-credit-score-and-4-ways-it-can-help) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-263402.jpeg?width=300&name=pexels-photo-263402.jpeg) ## What Keeps the Doctor Away? Not Being Able To Afford One As a matter of fact, not being able to afford medical bills is probably the number one reason Americans have to file ... ](https://www.orsonwoodall.com/blog/an-apple-a-day) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-925988.jpeg?width=300&name=pexels-photo-925988.jpeg) ## Don't get scammed! ](https://www.orsonwoodall.com/blog/dont-get-scammed) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-674723.jpeg?width=300&name=pexels-photo-674723.jpeg) ## We've decided we're staying local this Fourth. Check out these events! You don't have to leave to enjoy this 4th of July This holiday, there are a million and one reasons to want to leave ... ](https://www.orsonwoodall.com/blog/stay-local-this-fourth) [![](https://www.orsonwoodall.com/hs-fs/hubfs/accountant-accounting-adviser-advisor-159804.jpeg?width=300&name=accountant-accounting-adviser-advisor-159804.jpeg) ## The Definitive Guide to Slashing Your Monthly Bills Almost everyone deals with financial trouble at some point in their lives. Financial setbacks, such as the loss of ... ](https://www.orsonwoodall.com/blog/the-definitive-guide-to-slashing-your-monthly-bills) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-551586.jpeg?width=300&name=pexels-photo-551586.jpeg) ## Will You Lose Everything if You File for Bankruptcy? Those wanting to file for bankruptcy often wonder if you lose everything when you file for bankruptcy, or if there are ... ](https://www.orsonwoodall.com/blog/will-you-lose-everything-if-you-file-for-bankruptcy-in-georgia) [![](https://www.orsonwoodall.com/hs-fs/hubfs/TiftonCityHall.jpg?width=300&name=TiftonCityHall.jpg) ## How to File for Bankruptcy in Tifton, GA If you are having financial difficulties that are making it difficult to keep your financial obligations, then you may ... ](https://www.orsonwoodall.com/blog/file-for-bankruptcy-in-tifton) [![](https://www.orsonwoodall.com/hs-fs/hubfs/waycross%20courthouse.jpg?width=300&name=waycross%20courthouse.jpg) ## Filing for Bankruptcy in Waycross, GA: What You Need to Know Today, more people are filing bankruptcies than ever before. Over the last century, bankruptcies are steadily ... ](https://www.orsonwoodall.com/blog/filing-for-bankruptcy-in-waycross-ga-what-you-need-to-know) [![](https://www.orsonwoodall.com/hs-fs/hubfs/credit%20score.jpg?width=300&name=credit%20score.jpg) ## How to Increase Your Credit Score After Bankruptcy (Part 3) This is Part 2 of 4 of our series on how to increase your credit score after filing for bankruptcy. To read part 1, ... ](https://www.orsonwoodall.com/blog/how-to-increase-your-credit-score-after-bankruptcy-part-3) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo.jpg?width=300&name=pexels-photo.jpg) ## Today's Bankruptcy Trends That Everyone Should Understand We hear it every day. The economy is improving. Bankruptcies are not relevant any longer. ](https://www.orsonwoodall.com/blog/todays-trends-in-bankruptcy-law-that-everyone-should-know) [![](https://www.orsonwoodall.com/hs-fs/hubfs/credit%20score.jpg?width=300&name=credit%20score.jpg) ## How to Increase Your Credit Score After Bankruptcy (Part 2) This is Part 2 of 4 of our series on how to increase your credit score after filing for bankruptcy. To read part 1, ... ](https://www.orsonwoodall.com/blog/how-to-increase-your-credit-score-after-filing-bankruptcy-part-2) [![](https://www.orsonwoodall.com/hs-fs/hubfs/Orso_N_WoodAll_Aug2016-Theme/Images/hero_3_steps.jpg?width=300&name=hero_3_steps.jpg) ## How to Increase Your Credit Score After Bankruptcy (Part 1) A bankruptcy gives you the relief of a clean financial slate — but also the worry that you’ll never have decent credit ... ](https://www.orsonwoodall.com/blog/how-to-increase-your-credit-score-after-filing-bankruptcy-part-1) [![](https://www.orsonwoodall.com/hs-fs/hubfs/pexels-photo-669984.jpeg?width=300&name=pexels-photo-669984.jpeg) ## What To Do When You Are Upside Down On Automobile Payments I just read an article in USA Today. It said 32% OF ALL VEHICLES OFFERED FOR TRADE IN AT U.S. DEALERSHIPS ARE WORTH ... ](https://www.orsonwoodall.com/blog/what-can-you-do-when-you-are-upside-down-on-automobile-payments) [![](https://www.orsonwoodall.com/hs-fs/hubfs/trump.jpg?width=300&name=trump.jpg) ## Student Loan Debt: What Does the Future Hold? Over the last four to five years, people have been using student loans as a form of income when they can’t find a job. ... ](https://www.orsonwoodall.com/blog/student-loan-debt-what-does-future-hold) [![](https://www.orsonwoodall.com/hs-fs/hubfs/email/template_images/hero_001.jpg?width=300&name=hero_001.jpg) ## What's the Difference Between Chapter 13 and Chapter 7 Bankruptcy? Oftentimes when clients approach me, they have heard about the different types of bankruptcy but aren't sure which one ... ](https://www.orsonwoodall.com/blog/whats-the-difference-between-chapter-13-and-chapter-7-bankruptcy) - [**](https://www.orsonwoodall.com/blog/author/orson-woodall/page/3) - [1](https://www.orsonwoodall.com/blog) - [2](https://www.orsonwoodall.com/blog/author/orson-woodall/page/2) - [3](https://www.orsonwoodall.com/blog/author/orson-woodall/page/3) - [4](https://www.orsonwoodall.com/blog/author/orson-woodall/page/4) - [5](https://www.orsonwoodall.com/blog/author/orson-woodall/page/5) - [**](https://www.orsonwoodall.com/blog/author/orson-woodall/page/5) Page 4 of 5. See [All Posts](https://www.orsonwoodall.com/blog/all) Avvo Reviews Facebook Reviews Google Reviews YellowPages Reviews Yelp Reviews