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 […]
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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
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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
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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
Can I Wipe out Traffic Tickets in Bankruptcy? Read More »
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
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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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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
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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
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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.
Should I Get a Cosigner for My Loan? Read More »