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