Blog | Bankruptcy | Law Office Of Jeffery B. Kelly Georgia, Rome


When is Chapter 13 a better choice than a Chapter 7?

By Jeffrey Kelly | November 11, 2009

If you have a car that was purchased more than 910 days before you file bankruptcy, Chapter 13 might be a better option for you as opposed to Chapter 7.  In a Chapter 13, if your car was purchased more than 910 days before filing, section 506A valuation will apply to your plan.  This means […]

Can the Second Mortgage Holder Foreclose?

By Jeffrey Kelly | November 10, 2009

Yes.  While a second mortgage holder may have the power to foreclose, they almost never take this course of action unless there is a significant amount of equity in the home.  In order for a second mortgage holder to foreclose on your house in Georgia, they must first pay off the first mortgage holder.  Most […]

After Bankruptcy – Can They Take My Car?

By Jeffrey Kelly | November 9, 2009

The answer to this questions is…… depends on what type of case you file.  If you file a Chapter 13 with a plan to keep the car, the creditor cannot repossess it unless you let the insurance on the vehicle lapse or stop making your Chapter 13 payments.  As long as you keep your Chapter […]

Can I Wipe out Traffic Tickets in Bankruptcy?

By Jeffrey Kelly | November 9, 2009

No.  Traffic tickets are technically criminal fines.  No criminal fine can be wiped out in bankruptcy.  However, in a Chapter 13, we can set up a special provision in the plan to pay the traffic tickets at 100 cents on the dollar.   Paying traffic tickets is a much easier after we come up with a […]

Should I File Bankruptcy Before or After the Divorce?

By Jeffrey Kelly | November 7, 2009

In my sixteen years of experience as a bankruptcy attorney, I have seen many clients who have been forced to file either Chapter 13 or Chapter 7 because of a recent divorce.  When the household income is cut in half but the household expenses remain the same, paying credit card debt is almost impossible. I […]

Hiram Georgia Bankruptcy Attorney

By Jeffrey Kelly | November 1, 2009

We serve Hiram Georgia and all of Paulding County through our Dallas Office. Click here for directions to our Dallas office. Click here to visit our home page. Transcript: Hello, my name is Jeff Kelly. I’m an attorney who specializes Chapter 13 and Chapter 7. We serve our clients in Hiram area through our Dallas […]

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