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A photo of Managing Partner, Tom Lovett, Bankruptcy Lawyer

Tom Lovett

Managing Partner

Tom Lovett is a 1989 graduate of the University of Florida Law School and has been managing partner at Kelley, Lovett & Sanders since 1998. Tom is a member of the State Bar of Georgia, the State Bar of Florida, and the U.S. District Court for the Middle District of Georgia. Tom’s civic involvement includes membership at St. John Catholic Church, Valdosta YMCA, and is the president of the Valdosta High Baseball Boosters Club, Inc.

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“I first spoke with another attorney and may I add they scared me even worst then what I already was. After speaking with Alex he made me feel more at peace with the decision that I was making and he was reassuring. The staff is amazing and they work fast plus they work with you. Thank you!”

RonnyLynn E.Google Review

“Alex is a wonderful Lawyer!. He has guided me through the whole process and has helped me get my financial life back on track!”

Brenda D.Google Review

“Alex is honesty the best. He always responds promptly and gives great advice. I honesty don’t know how I would have gotten through the last several years without his assistance. I can’t say enough good things.”

Kris S.Google Review

“My husband and I, are having a wonderful experience with Alex and Missy. His work is very professional and he is willing to work with you. Some lawyers don't get to know their clients, but he actually talks to you and make you feel at ease. They make you feel welcomed!! Trust me they will get the job done. It feels so good to be debt free. I highly recommend them!”

Vickie T.Google Review

Frequently Asked Questions

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.