Skip to main content
(678) 915-2634 Contact Us
Property debts will likely be eliminated in bankruptcy Atlanta, GA

Personal Attention & Experience Since 1971 Family-Owned, Family Focused

Client Reviews

Property debts will likely be eliminated in bankruptcy

Foreclosue Sign on Top of For Sale Sign in Front of House

As the housing and job markets have struggled to recover, many Georgia residents have had to make the difficult decision to file for bankruptcy and let their homes go into foreclosure. As such, many of our bankruptcy blog readers may have questions about the relationship between these two legal processes. Specifically, will a homeowner who has filed for Chapter 7 bankruptcy be held responsible for the property taxes and related debts on their foreclosed home?

The short answer is: no. In the majority of cases, any debts that are connected to a foreclosed home are eliminated in bankruptcy. This generally includes the primary mortgage and any additional mortgage loans, as well as lines of credit that are secured by the home. Also, debts such as property taxes and past-due utility payments will be eliminated in the Chapter 7 bankruptcy.

Property insurance debt is usually also eliminated in bankruptcy. However, it is important to keep your insurance up to date until you are no longer living in the house. This will protect you from any liability if something happens in the property before you move out. If your monthly mortgage payment includes property insurance, your mortgage lender will make the payments and you probably don’t need to worry about it.

There is one home-related debt that may not be eliminated in bankruptcy. If you are still living in the house after your bankruptcy has been filed, you may still be responsible for any homeowner association fees. If you have moved out of the house, however, you will likely not be held responsible for any future association fees.

Source:, “Chapter 7 and property taxes,” Justin Harelik

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


First Free

    DisclaimerPrivacy Policy

    I have read the Disclaimer and Privacy Policy

    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

    Write a review