Getting Out of a Car Loan

By Jeffrey Kelly | July 28, 2018
Get out of car loan

According to Experian, roughly 20% of current auto loans are considered to be subprime. These loans are geared for those with poor credit and have high interest rates. The best course of action for handling an existing auto loan as you approach bankruptcy requires that you and your attorney evaluate your specific circumstances. Assuming that you require a vehicle …

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Debt Consolidation vs Bankruptcy

By Jeffrey Kelly | July 9, 2018
Debt Consolidation vs Bankruptcy

According to a recent report from WSAV NBC News in Savannah, the amount of credit card debt among U.S. consumers has now reached approximately $1 trillion. Data from CNBC goes further too also include debt stemming from mortgages, student loans, and vehicle loans, which roughly totals $13.15 trillion. This is the fifth year in a row that household debt has …

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Life After Bankruptcy

By Jeffrey Kelly | July 3, 2018
Life After Bankruptcy

According to data from the American Bankruptcy Institute for 2017, there were approximately 44,407 personal bankruptcies in Georgia.  If you recently had your debts discharged in Chapter 7 or completed a payback arrangement under Chapter 13, you may feel a sense of relieve. The challenge is how to manage financially after bankruptcy. Evidence of a bankruptcy will remain on your credit history for seven to ten …

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Benefits of Bankruptcy

By Jeffrey Kelly | June 28, 2018
Benefits of Bankruptcy

Deciding to declare bankruptcy is an important decision that will impact you and your finances for many years. Whether you choose to try to fix your debt problem on your own or to declare Chapter 13 or Chapter 7 bankruptcy, you will experience an impact on your credit, your ability to get a loan, and …

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Chapter 13 Repayment Plan

By Jeffrey Kelly | June 26, 2018
Repayment Plan

When collection calls from creditors are keeping you awake at night or making you want to throw your phone against the wall, you need to ask yourself a tough question: can you actually afford to repay your debts? Consumer debt from credit cards, car loans, student loans, home mortgages and IRS debts are at an …

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Credit Score After Ch 7

By Jeffrey Kelly | June 21, 2018
Credit Score

It is fairly easy to understand what to expect what will happen to your credit score, it will drop and you may feel uncomfortable. The primary factor in that calculation of how big the drop being, how high the credit score was before filing. An excellent credit score will have a larger drop close to …

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"Jeff and his team do great work. They are fast and easy to work with. I would suggest working with them if you need to file for bankruptcy. Thanks Kelly Law Group!

Tom L.

"The staff was great helpful always there to answer our questions courteous would highly recommend Mr Kelley and his office staff Great Job. Thanks. Mary and Philip Abrams."

Mary A.

"They really helped me to feel comfortable and explained everything in detail and made sure I understood the process from start to finish. I recommend them highly. Thank you guys."

Mickey J.

"Mr Kelly was very professional and charming. He explained everything, took time for me to decide the right course to take in my situation. He is also funny I would recommend him to anyone looking for an honest attorney who has a heart."

Dyann R.

"Extremely professional. Helpful and knowledgeable every step of the way. Make you comfortable from the get go and never make you feel like they are judging you. Each and every person I talked to was so nice."

Lynn S.

"I would love to just tell you THANK YOU!! Without your help my family would have been destitute. Now that my case has been completed successfully, it is the biggest RELIEF to not have to wonder how to make ends meet."

Angela W.