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Borrow Against My 401K To Pay Off My Credit Card Debt or Medical Debt?

By Jeffrey Kelly | November 28, 2009

Borrowing against your 401k is a terrible idea.  With Georgia Bankruptcy Exemptions, your 401k most likely will be 100 percent protected from your creditors. One of the most common mistakes I see people make is that they will borrow against their 401K to pay off credit card debt or medical debt.  Within a short period of time, they realize […]

Top 10 Myths About Georgia Bankruptcy

By Jeffrey Kelly | November 28, 2009
Georgia Bankruptcy

Top Ten Myths about Bankruptcy

Filing Bankruptcy After a Default Judgment in Georgia?

By Jeffrey Kelly | November 23, 2009

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.  […]

Missed a Few Mortgage Payments While in Chapter 13

By Jeffrey Kelly | November 21, 2009

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 […]

Quit making my house payments to get a loan modification?

By Jeffrey Kelly | November 20, 2009

In my opinion, this is a bad idea.  If you are able to make your mortgage payments, do so.  I recently spoke with a person who quit making mortgage payments so that his mortgage company would consider him for a loan modification.  They filled out all the papers as requested by the bank for the […]

When Will My House be Foreclosed on in Georgia?

By Jeffrey Kelly | November 19, 2009

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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