Filing for bankruptcy in the state of Georgia is relatively straightforward. Follow these steps when deciding to file for bankruptcy, and make sure that you have a qualified bankruptcy attorney handling the case for you to ensure that the process runs smoothly.
Georgia Bankruptcy Filing Process
- Attend mandatory credit counseling. Within the six months before you decide to file for bankruptcy, you must attend and show completion of a credit counseling course. The course must be administered by an agency approved by the United States Trustees Office.
- Complete bankruptcy petition and other documents. Whether you are filing for Chapter 7 or Chapter 13 bankruptcy, you are required to fill out a bankruptcy petition and provide accompanying schedules that have your financial information, such as your income, expenses and listed debts. Among these forms is Form 22A, which is used for means test calculation. This calculates your disposable income to see if your qualify for Chapter 7 or Chapter 13 bankruptcy. In the state of Georgia, the filing fee is $335 for Chapter 7 and $310 for Chapter 13.
- File the paperwork with the correct bankruptcy court. Georgia has three separate judicial districts where you can file your bankruptcy paperwork. You must file your paperwork within the district where you have been living for the last 180 days. Some local courts require that you file additional paperwork along with the traditional petition and accompanying schedules. Having a bankruptcy attorney work with you during your bankruptcy will ease the burden of the entire process and relieve you of having to be aware of all the small local rules that may change from district to district.
- Complete pre-discharge debtor education course. You must attend a discharge debtor education course towards the end of the bankruptcy process before your bankruptcy case can be closed. You must show the court a certificate of completion.
Bankruptcy is a complicated process that has multiple implications on the financial future of you and your family. Here at Morgan & Morgan, we have more than 30 years of experience helping people with bankruptcy and debt relief. Visit our website at www.morganlawyers.com today or call (706) 548-7070 for a free consultation.