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 …
The answer to this questions is……..it 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 …
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 …
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 …
Should I File Bankruptcy Before or After the Divorce? Read More »
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 …
If you have decided to file bankruptcy in Northwest Georgia, the next step is to call my office at 1-888-832-8249 to schedule an appointment. I have offices located throughout Northwest Georgia in Dalton, Cartersville, Rome and Dallas. Currently, I take late evening appointments in Rome on Thursdays. During this first appointment, we will go over your …
Bankruptcy – What is the next step if you are ready to file? Read More »
You can get a student loan after you file for bankruptcy. According to the Unified Student Loan Policy Common Manual of April 2005, Chapter 5, paragraph 5.6, the Bankruptcy Reform Act of 1994 prevents a school or lender from denying a federal loan or grant to an applicant solely because he or she has filed …
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If you file bankruptcy in Northwest Georgia, you will have to go to court with your bankruptcy attorney in Rome, Georgia. When you file Chapter 13 bankruptcy, you must attend two court hearings. The first is called the section 341 meeting of creditors and the second one is called your confirmation hearing. If you have …
Bankruptcy – Will I have to go to court if I file? Read More »
Getting a cosigner in Georgia to obtain a loan is always a bad idea. If anything happens to you, your cosigner will left holding the bag.
When filing bankruptcy in Georgia, if your spouse is not listed with you on any debts, their credit score will not be affected by your filing. Before you file bankruptcy, make a list of every debt you have and go over the list with your spouse. Ask them if they remember signing a contract for …
Bankruptcy – Is My spouse Going To Be Affected By My Filing? Read More »