Ask the Attorney: Bankruptcy Law -, South Georgia News, Weather, Sports

"Welcome to Kelley, Lovett and Blakey. We are proud to be a debt relief agency; we help people file for relief under the Bankruptcy Code."

"Our law firm provides experienced, supportive counsel to help clients through the process of filing bankruptcy. Many face a tough time with debts. Perhaps you lost a job, incurred unexpected medical bills or you've been through a divorce. Overwhelming debt caused by credit cards, car payments, house payments and bill collectors can create financial stress. No matter what your financial situation is, we can help."

"We will review your financial situation to determine if a bankruptcy option is best for you. We will answer your questions and concerns and guide you through this process. If you have questions about how bankruptcy works, whether bankruptcy is right for you or what happens if you file a bankruptcy case, contact us today. We are ready to help you achieve a brighter, debt-free future. For most persons, two kinds of bankruptcy are available: Chapter 7 or Chapter 13. We can help you to understand which is best for you. We have filed thousands of bankruptcy cases. An experienced attorney will be with you every step of the way, ensure your rights are protected and your best interests are always looked out for."

Frequently Asked Questions

We receive many questions about bankruptcy. Some common questions include:

  • Will bankruptcy stop foreclosure, garnishment and harassing letters and phone calls?
    Yes. Filing a bankruptcy automatically protects you from these actions.

  • How much do you have to owe to file bankruptcy?
    There is no set amount of debt that you are required to have to be eligible to file. One of the purposes of our free consultation is so that we can meet with you and determine if bankruptcy is right for you based on your immediate situation.

  • Do I have to list all my debts if I file a bankruptcy case?
    Yes. You are required to list all your debts.

  • Can I keep my house and vehicle if I file bankruptcy?
    In a Chapter 7 case, if your house or vehicle is collateral for a loan and you want to retain these items, you may keep the items if you are current and remain current with your payments. Many Chapter 13 cases are filed to keep and pay off a vehicle and catch up past due house payments. If there is no lien on your house or vehicle, your attorney will advise you of the effect of filing a bankruptcy case and whether the item may be exempt and protected.

  • How long will bankruptcy stay on my credit report if I file?
    A bankruptcy can stay on your credit report for up to ten years. Some credit reporting agencies may remove it after seven years. However, this does not mean you will have a bad credit score for 7-10 years. You may improve your credit score after bankruptcy.

  • Is there a biblical basis for bankruptcy?
    Yes. Discharging debt is referred to in the Old Testament. Deuteronomy Chapter 15 states, "[a]t the end of every seven years thou shalt make a release. And this is the manner of the release; every creditor shall release that which he hath lent unto his neighbor: he shall not exact it of his neighbor and his brother: because the Lord's release hath been proclaimed." Under the Bankruptcy Act of 1938, a person could file bankruptcy once every seven years. Under current law, a Chapter 7 case may be filed every 8 years. Bankruptcy exemptions for property like tools of the trade and personal items are biblical in origin. In some views, bankruptcy laws come from the notion that those in financial distress deserve protection from creditor's claims."

About Us


  • Member of the American Bankruptcy Institute
  • National Association of the Bankruptcy Trustees
  • University of Georgia Terry College of Business Fastest Growing 100 Bulldog Businesses

Walter Kelley, rated one of Georgia's Top Lawyers in the Bankruptcy Area by LexisNexis Martindale-Hubble

Albany Office
Serving Baker, Ben Hil, Calhoun, Crisp, Decatur, Dougherty, Early, Lee, Miller, Mitchell, Schley, Seminole, Sumter, Grady, Terrell, Turner, Webster, and Worth Counties"

Valdosta Office
Serving Berrien, Brooks, Clinch, Colquitt, Cook, Echols, Irwin, Lanier, Lowndes, Thomas and Tift Counties"

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