Jeff Kelly

Bankruptcy attorney Jeffrey B. Kelly helps Northern District of Georgia families stop creditor harassment, protect assets, and get a fresh financial start.

[Jeff Kelly @kellycanhelp]

⚠️ Think Chapter 7 bankruptcy is an easy way out? Think again — once you're in, you're IN.
🚪 There is no exit door once a Chapter 7 case is filed
🔍 The trustee can dig into your finances in ways creditors never could before
😬 If something unexpected turns up during the case, you can't just walk away
📋 This is why planning and knowing the risks beforehand is everything
✅ The right bankruptcy case at the right time can be life-changing — but you have to go in with eyes open
Watch this short video before you make any decisions. Then follow our page for more straight-talk bankruptcy info for Georgia families! 🍑
#KellyCanHelp #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #BankruptcyBasics

[Jeff Kelly @kellycanhelp]

Can creditors actually take your Social Security check? 😳 The answer might surprise you... and what about your pension? We break down what's protected, what's not, and the one Chapter 7 mistake you can't undo. Plus — Georgia's homestead exemption is about to jump to $50K/$100K! 🍑

[Jeff Kelly @kellycanhelp]

😨💸 You wake up one morning, grab your phone to check your balance — and your checking account is frozen. What do you do?
Here's what you need to know:

A creditor with a court judgment can freeze your account — sometimes overnight
You may not be able to pay rent, buy groceries, or cover any basic expenses
Bankruptcy's automatic stay can stop a bank freeze immediately upon filing
You don't have to figure this out alone — help is available right now

That sinking feeling when you see your account frozen doesn't have to be the end of the story. There are options. 👇
Follow this page for more bankruptcy basics that could save you!
#KellyCanHelp #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #BankruptcyBasics

[Jeff Kelly @kellycanhelp]

🛒😱 You're standing at the checkout line at the grocery store — cart full, people behind you — and your card gets declined. Not because you're broke. Because a creditor froze your account.
It happens more than you think. Here's what you need to know:

A creditor with a court judgment can freeze your bank account — sometimes with little notice
You could be left unable to buy groceries, pay bills, or cover basic necessities
Bankruptcy's automatic stay can stop a bank freeze and help you get your life back
The sooner you act, the sooner you can regain access to your own money

No one should have to face that moment at the checkout line. There are options. 👇
Follow this page for more bankruptcy basics that could save you!
#KellyCanHelp #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #BankruptcyBasics

[Jeff Kelly @kellycanhelp]

🛑⚡ What is the amazing automatic stay in bankruptcy?
Here's what you need to know:

The automatic stay is one of the most powerful tools in bankruptcy law
The moment you file, it goes into effect — immediately stopping creditors in their tracks
It can halt wage garnishments, bank freezes, foreclosures, repossessions, and collection calls
It gives you the breathing room you need to get your financial life back on track

The automatic stay is your shield — and it kicks in the second you file. 👇
Follow this page for more bankruptcy basics that could save you!
#KellyCanHelp #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #BankruptcyBasics

[Jeff Kelly @kellycanhelp]

🏦❄️ Your bank account is frozen — and you need a bankruptcy case number to get it unfrozen fast. What do you do in Georgia 🍑?
Here's what you need to know:

Once you file bankruptcy, the automatic stay goes into effect immediately
Your case number is proof that the stay is in place — banks need it to release the freeze
Time is critical — every day your account is frozen could mean missed bills and bounced payments
Knowing exactly what to do and who to call can make all the difference

Don't sit on a frozen account wondering what your next step is. 👇
Follow this page for more bankruptcy basics that could save you!
#KellyCanHelp #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #BankruptcyBasics

[Jeff Kelly @kellycanhelp]

💳❌ Did you know that your creditor can freeze your bank account in Georgia 🍑?
Here's what you need to know:

A creditor can get a court judgment against you — and then go straight to your bank
Once frozen, you may not be able to access ANY of your money
It can happen faster than most people think
Bankruptcy can stop this process in its tracks

Don't wait until your account is frozen to take action. 👇
Follow this page for more bankruptcy basics that could save you!
#KellyCanHelp #BankruptcyHelp #WageGarnishment #GeorgiaBankruptcy #DebtRelief

[Jeff Kelly @kellycanhelp]

❄️ What happens when your checking account is frozen? What do you do? Take a quick look at the Bankruptcy Basics. Take Action.
For the full long video, click here: https://t.co/LU60RWLp5W
Follow the page for more from the Kelly Can Help team!
#KellyCanHelp #RomeGA #NorthGeorgia #BankruptcyHelp #KellyBankruptcy

[Jeff Kelly @kellycanhelp]

😨 Your card gets declined. You check your account… and it's frozen. A debt collector got to your bank.
If that ever happens to you, please don't panic — and don't wait.
In my newest video, I break down exactly how a creditor is able to freeze your bank account, what money is actually protected (like Social Security), and the one move that can stop it fast. No judgment — just straight answers from someone who's helped Georgians through this since 1998.
👉 Watch the full video to know your options.
Have you ever had an account frozen or been surprised by a garnishment? Tell me in the comments — your story might help someone else who's scared right now. 💬
#DebtRelief #Bankruptcy #FrozenBankAccount #Garnishment #GeorgiaBankruptcy #GetOutOfDebt

[Jeff Kelly @kellycanhelp]

⚖️ Falsified tax returns? The court will NOT approve your Chapter 13. Period.
Here's a hard truth about filing Chapter 13 in Georgia. Your case has to be confirmed by the court — that's the official approval of your repayment plan, and it's what lets your case move forward. 👇
But that approval doesn't happen automatically. The trustee reviews your tax returns. And if those returns have falsified information — like a fake business or losses that never happened — your plan cannot be confirmed.
🔹 It doesn't matter how badly you need the relief.

🔹 As long as there's false information on your returns, your case stays stuck.

🔹 The court will not approve a Chapter 13 built on dishonest returns.
The only way forward is to amend those returns and fix the errors. Until that happens, your case sits in limbo, and the fresh start you were counting on gets put on hold. 🛑
This is exactly why it's so important to know what's really on your returns before you file — especially if a preparer added something you didn't fully understand. 📋
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#Chapter13 #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #KellyCanHelp

[Jeff Kelly @kellycanhelp]

✨ "You've GOT to see my tax guy — he's magic! He got me a HUGE refund!"
Heard that before? Maybe a friend, a coworker, or a family member swears by this one tax preparer who gets everybody refunds way bigger than anyone else. 💸
Before you join that line, you need to hear this. 👇
There is no magic when it comes to tax refunds. When someone is consistently getting people refunds that are way bigger than normal, it usually means they're putting things on those returns that don't belong there — like a fake business with losses for a company that never existed.
It feels great at tax time. But here's the catch:
🔹 That return has YOUR name and signature on it — not the preparer's.

🔹 When the IRS comes asking, the "magic" guy is nowhere to be found.

🔹 You're the one who has to amend the return, pay the refund back, and face the penalties.
And if you're filing bankruptcy? Flawed returns can delay your case and freeze your Chapter 13 confirmation — turning a fresh start into a stalled mess. 🛑
If a refund sounds too good to be true, it is. Know what's on your return before you put your name on it. 📋
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#TaxPreparer #TaxFraud #BankruptcyHelp #GeorgiaBankruptcy #KellyCanHelp

[Jeff Kelly @kellycanhelp]

Here's the Facebook post for this video:

⏳ Filing Chapter 13 with fake stuff on your tax returns? Your case is going NOWHERE until you fix it.
When you file Chapter 13, you have to hand your tax returns over to the trustee. And the trustee actually reads them. 👀
So if those returns have something that doesn't add up — a fake business, phony losses, income that doesn't match reality — it's going to get flagged.
Here's what happens next 👇
🔹 Your confirmation gets delayed.

🔹 Your case sits in limbo.

🔹 And it will NOT be confirmed until those returns are amended and corrected.
Confirmation is the court's approval of your repayment plan — the green light that lets your case move forward. No clean returns, no green light. The longer you wait to fix the errors, the longer your case stays stuck. 🛑
This is exactly why it pays to know what's really on your returns before you file. A fake business someone slipped on there to boost your refund can freeze your case at the worst possible time.
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#Chapter13 #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #KellyCanHelp

[Jeff Kelly @kellycanhelp]

Here's the Facebook post for this video:

🚨 If a tax preparer promises you a HUGE refund that sounds too good to be true… it probably is.
Every year I see people get lured in by someone claiming to have a "magic touch" for getting massive refunds — sometimes thousands more than you'd ever expect. 💸
But here's the truth: it's not magic. It's fraud.
How do they do it? Often by inventing a fake business on your return, claiming losses for a company that never existed and that you've never even heard of. Those phony losses create a big refund on paper 👇
🔹 The preparer takes their cut.

🔹 You walk away thinking you got lucky.

🔹 But that return has YOUR name and YOUR signature on it.
When the IRS or a bankruptcy trustee starts asking questions, the preparer is long gone — and you're the one left holding the bag. The return has to be amended, the refund may have to be paid back, and you could face penalties for something you didn't even know was happening.
The lesson? If a refund sounds too good to be true, walk away. Know exactly what's on your return before you sign it. 📋
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#TaxRefund #TaxFraud #BankruptcyHelp #GeorgiaBankruptcy #KellyCanHelp

[Jeff Kelly @kellycanhelp]

😳 "What business? I've never been self-employed!"
I hear this all the time. A client sits down to file bankruptcy, and the trustee says, "Tell me about this business where you lost $20,000 last year." And they have no idea what he's talking about.
Here's how it happens 👇
A tax preparer puts a fake side business on your return, claiming losses for something that never existed, just so you could walk away with a bigger refund. 💸
It worked at tax time. But once you file bankruptcy, that phantom business becomes a real problem:
🔹 The trustee WILL ask about it.

🔹 The tax return has to be amended.

🔹 And you're left cleaning up a mess you never knew was there.
A lot of folks get frustrated and say, "I didn't have a problem with the IRS — I just wanted to save my house!" But bankruptcy looks at the whole picture, and what's on your tax returns matters.
The lesson? Know exactly what's on your returns BEFORE the trustee does. 📋
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#Chapter13 #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #KellyCanHelp

[Jeff Kelly @kellycanhelp]

😤 "My house isn't part of my bankruptcy!"
I hear this all the time from frustrated Chapter 13 clients. And I have to give them the hard truth: yes, it is.
Here's the #1 misconception that catches people off guard when they file Chapter 13 in Georgia 👇
When you file, you don't get to pick and choose. A lot of folks come in thinking:
🔹 "I just wanted to save my house."

🔹 "I just wanted to stop that garnishment."

🔹 "I didn't have a problem with the IRS — leave that alone."
But that's not how Chapter 13 works. Chapter 13 looks at your WHOLE financial picture. Everything you own is on the table. Everything you earn is on the table. You can't fix one problem and ignore the rest.
And that house you're paying directly every month? Even if your mortgage company is happily cashing those checks, your home is still considered part of your case.
Understanding this BEFORE you file can save you a world of frustration. 🏠
If you're feeling buried by debt, you're not alone — and you have options. Follow the page for straight answers about bankruptcy and debt relief in Georgia.
#Chapter13 #BankruptcyHelp #GeorgiaBankruptcy #DebtRelief #KellyCanHelp

[Jeff Kelly @kellycanhelp]

Filing Chapter 13 to stop a foreclosure or a repossession? There's one thing that can freeze your whole case before it ever gets off the ground — and most people never see it coming. 😬
Your tax returns have to be filed, and filed CORRECTLY.
If they're not, here's what happens at your 341 meeting:
❌ The trustee objects — and your case won't get confirmed
❌ You have to track down a tax pro and amend the returns
❌ Everything stalls while your fresh start sits on hold

The two mistakes I see over and over:

➡️ A married couple files separately and BOTH claim head of household (you can't do that)
➡️ A "miracle" tax preparer invents a fake business with fake losses to pump up the refund — that's not a loophole, it's illegal
A lot of folks just want to save the house or stop the garnishment and don't want to deal with taxes. But Chapter 13 looks at the whole picture — everything you own and everything you earn is on the table. 🏠
Get those returns right BEFORE you file and you save yourself a world of headache.

#Chapter13 #Bankruptcy #GeorgiaBankruptcy #TaxReturns #KellyCanHelp

[Jeff Kelly @kellycanhelp]

Don't cash out your 401k before bankruptcy. 🛑
Early withdrawal? You're looking at taxes + penalties + a lost nest egg.
And if you file bankruptcy after? That money's gone for good—even though your 401k might've been protected anyway. As they say in Armuchee GA, that would be a torrrrrrrable idea!
Watch our short breakdown to see why it is such a bad idea. 💼
#Bankruptcy #401k #DebtRelief #RetirementSavings #Georgia

[Jeff Kelly @kellycanhelp]

Don't try to cheat the system by undervaluing your house. 🏠
Filing Chapter 7? You have to list what your house is actually worth. Not what you wish it was worth. Not a lowball number you're hoping nobody notices.
Here's what happens when you undervalue it:

The trustee sends a real estate agent to evaluate your home
That agent only makes money if they sell it
They're going to find out the real value—fast 🐇
Your house gets sold anyway at its true market value
The proceeds go straight to your creditors
You can't quit the case if things go south 🤢

You don't get to hide equity. And once you file, you're locked in. If the trustee decides to sell your home, there's no backing out.
The truth is your only protection. If you're honest about what you own, you might keep your house. If you hide it? You're guaranteed to lose it—and you can't escape the case.
Watch my video to understand why true value is so important and why trying to lowball its value always backfires. 💥
#Bankruptcy #Homeowner #Chapter7 #GaLaw #DebtRelief

[Jeff Kelly @kellycanhelp]

Don't destroy your bankruptcy case with one lie. 🚨
The bankruptcy court asks you to list every asset you own. Your bank accounts. Your car. Your jewelry. Everything.
Some people think: "I'll just hide this one thing. They'll never know."
Big mistake.
Hiding assets is bankruptcy fraud. And when the trustee finds out—and they will find out—you're facing:

Case dismissed (you get NO debt relief)
Criminal charges
Fines and penalties
Years of headache

Your fresh start disappears. 💸
The protection bankruptcy offers only works if you're honest. Watch our video to understand exactly what you need to disclose and why it matters so much. 💪
#Bankruptcy #Fraud #GaLaw #DebtRelief #FreshStart

[Jeff Kelly @kellycanhelp]

Stop. Don't cash out that 401k. 🛑
We get this question all the time: "Jeff, I'm drowning in debt. Can I just pull money from my 401k to pay it off?"
Here's the hard truth: You're about to make things worse.
When you cash out early, you're hit with:

Immediate income taxes on the full amount
10% early withdrawal penalty
Lost money that grows tax-free for decades

Then if you file bankruptcy months later? That cash is gone—and your 401k could've been protected the whole time anyway.
Your retirement savings have special protection in bankruptcy. Don't throw that away. 💼
Watch our video to see what you should actually do with your 401k before filing. You have options you haven't considered yet. 💡
#Bankruptcy #401k #DebtHelp #RetirementSavings #Georgia