We serve Calhoun and all of Gordon County with our offices located in Rome, Dalton and Cartersville. I look forward to meeting with you soon. If you’re looking for an experienced bankruptcy attorney, you can trust Law Office of Jeffery B. Kelly for legal help. Our experienced attorneys would make sure you have a plan […]
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The purpose of this blog is to give you a rough idea about why you must know the value of your house before you even think about filing bankruptcy in Georgia. Under Georgia Law, a single person can exempt a maximum of $10,600 of equity in their house when they are filing either Chapter 13
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The answer to this question depends on your situation. We can file a motion to avoid the judicial lien shortly after we file your case. The main issue is how much property do you own? I want to go over every single asset you own and make sure that they are protected by Georgia exemptions.
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If you miss a few mortgage payments while you are in Chapter 13 in the Northern District of Georgia, the attorneys for the mortgage company will file a Motion for Relief against you. They will charge you approximately $800 for filing this motion. Generally, we can work out a deal with them to put their
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The answer to “when will the house be foreclosed on in Georgia” is that it depends on your mortgage company. Some companies move really fast. Other take up a year before they get around to finally conducting the foreclosure sale in Georgia. Here is what the mortgage company must do in Georgia to foreclose on
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If you have fallen behind on your mortgage payments, Chapter 13 can save your house. Here is how it works. We take all of the past due mortgage payments and put them into your Chapter 13 plan. Most Chapter 13 plans run for three to five years. If we need to, we can wipe out
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The answer to this question is maybe. If you have a foreclosure scheduled against you, you should file Chapter 13 to stop the foreclosure and save your home. I have had so many clients where someone from the mortgage company called and told the homeowner that they would try to work something out to stop
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For both Chapter 7 and Chapter 13 bankruptcy, you should bring to your 341 Meeting of Creditors: 1. your driver’s license: 2. your social security card: 3. Proof of your car insurance: 4. Proof of your house insurance and: 5. Proof of your post-petition mortgage payments. If you can’t find your social security card, bring
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If you have a first and a second mortgage, you may need to consider bankruptcy even if you are willing to let the house get foreclosed. For more information on second mortgage issues, please see click here. If you have only one mortgage and you don’t have any other debt issues, you probably don’t need
Bankruptcy – Should I File If I am Letting the House Go? Read More »
In Georgia, if you file Chapter 13 bankruptcy or Chapter 7 bankruptcy, the answer is never. Creditors can’t sue you in a Chapter 13 and a second mortgage holder can be wiped out in a Chapter 7 and a Chapter 13 if you are surrendering the house. In bankruptcy, the automatic stay protects you from
After Foreclosure in Georgia, When Will the Second Mortgage Holder Sue? Read More »