Why am I getting so many letters in the mail from bankruptcy attorneys?

May 10, 2019
Why am I getting so many letters in the mail from bankruptcy attorneys?
Kelly Bankruptcy
Why am I getting so many letters in the mail from bankruptcy attorneys?

Show Notes

Why am I getting so many letters from bankruptcy attorneys?


Hello, this is Jeff Kelly. It is May the 10th 2019 and today I want to do a quick podcast here on “why am I getting so many advertisement letters from bankruptcy attorneys”. 

So, the number one reason that you’re getting so many letters from bankruptcy attorneys is because you’re being sued in your local court. My law firm, and most bankruptcy law firms, do a lot of direct mail marketing. If a creditor sues you in your local court, that’s public record, and we get access to that and we send out letters to let you know that we can help you. And my law firm, we offer a free consultation for anybody wants to come in and go over their income and their budget and see if we can come up with a plan to deal with whatever the situation is. I would encourage anyone who thinks they are about to be garnished to give us a call at 7708818449 to see put a stop to it because you don’t want to ignore the problem. Ignoring the problem is the absolute worst thing you can do. 

Here’s what’s going to happen. Usually after you start getting those advertisements pretty soon the sheriff is going to come out. And the sheriff is going to serve you with some papers. And on these court papers it’s going to have the name of the creditor that’s suing you, and maybe somebody that you don’t recognize. But if you if you read closely, you’ll see in there that the creditor that you don’t recognize probably bought the debt from somebody that you do recognize, and there will be a description in there. There’s the name of the attorney who filed the lawsuit, their phone number, and all this stuff is important information. 

Now, if you fail to take any action at all, what could happen is a garnishment could end up coming out of your paycheck. And Georgia is brutal when it comes to garnishments. In the state of Georgia, you can take 25% of a person’s paycheck. That’s a lot of money. So, for example, let’s say you make $2,000 a month, a creditor is going to be able to take 25% of that. That’s $500. That can be really tough paying rent and putting food on the table when somebody takes that big of a chunk out of your paycheck. So, don’t let that happen. But the other thing they can do, they can also garnish your checking account. And that’s even more brutal, because they’re not limited on how much they can take out of your checking account. They can take the full debt straight out of your account. We’ve seen people before where their entire checking account is just gone. Again, that’s a huge disaster. 

Now, a lot of people ask, “When is it too late to file?” The answer is it’s never too late. Give us a call as soon as you can. And let’s see if we can put a stop to it. Let’s see what we can do. Again, that phone number 7708818449. And it is Jeff Kelly. We’ve got offices located in Douglasville, Marietta, Kennesaw, Dalton, Rome, Cartersville, and in Dallas, Georgia. I’ve got a I’ve got a great staff. We’ve got good reviews online, check us out at www.kellycanhelp.com. Thank you.

Episode Transcript

No transcript available...

Other Episodes

Episode 1

November 02, 2020 00:29:55

Radio Show #1 : Interview with Patrick Matson

Welcome to the first radio show with Jeff Kelly featuring guest Patrick Matson. Today we debunk the fears surrounding bankruptcy and ensuring that your bankruptcy experience is one that goes smoothly. ...



June 22, 2020

What happens to the credit score after bankruptcy?

Hello, this is Jeff Kelly. And in this podcast today, I’m going to talk about what happens to your credit score after bankruptcy. Am I doomed? For many years. What does my future look like? Will I ever be able to buy a new car at a decent interest rate? Will I ever be able to buy that house that I’ve always dreamed of? Is my financial future ruined forever as a bankruptcy attorney who has practiced in this area since 1998? I have heard questions like these hundreds of times. And the answer might shock you. The answer is this. Most people do recover within about two years, one to two years of filing Chapter 7 bankruptcy. How can that possibly be? You may say, well, first of all, usually by the time the clients come meet with me, the damage has already been done. Most potential clients have stopped paying credit cards. Many months ago, had cars repossessed. Been sued by creditors. Had wages garnished or had their house foreclosed. Any of these will put a major hit to your credit rating. For most people considering bankruptcy, like I said, the damage is already there. So the question is, what do we want to do going forward? Do you ever get a knot in your stomach when you think about your credit score? David, just feel sick to your stomach thinking about all that debt and the interest and late fees and just mess that’s hanging over you and it’s not going anywhere. Well, Chapter 7 might help make that pain ...



June 15, 2020

How to protect yourself from thieves in a Chapter 13 bankruptcy case

Hello, this is Jeff Kelly and Today is June the 15th 2020. And today I want to talk about how to protect yourself from theft in a chapter 13 with NDC.org. Every active chapter 13 debtor should open an account with NDC.org, the cost is free, but the information you see could be worth a lot of money and save you from theft. Having an account with NDC.org will allow you to see every single proof of claim that has been filed in your bankruptcy case and it will also allow you to verify that your chapter 13 payments are being received by the trustee. Years ago I had a client whose employer took money from her paycheck, but never sent it into the trustee. We caught the error and had to sue the employer to get the money paid. Having an account with NDC.org allows you to catch stuff like this. Proof of claim is a form signed under oath, with supporting documentation that a creditor must file in a bankruptcy case in order to get paid. The proof of claim will tell the trustee the type of claim and the amount owed. If a creditor fails to file before the deadline in your case, they won’t get paid anything. For example, let’s say you had a car repossessed a few years ago, and owe the car creditor $10,000. If they fail to file a proof of claim on time, you will not have to pay that $10,000. Let’s change up the facts ...