Frequently Asked Questions

How long must I live in this area before I can file bankruptcy here?

Generally, you must file a bankruptcy case in the District where you have lived for the biggest part of the last 180 days. So, in most cases, you must wait until you have lived in the new District for 91 days. However, filing in the wrong district may, on rare occasions, be the only option. This could be true if a foreclosure was imminent, for example.

If the case is filed in the wrong district, the debtor is still entitled to all of the protections of the bankruptcy code. Some Courts will require that the case be removed to the proper district, but others will allow the case to proceed if there are no creditor objections.

If you are considering a bankruptcy, it is best to get advice from a bankruptcy lawyer as early as possible, even if you may have to wait to file. A good attorney will review your situation and discuss all your options. If you will need to wait to file, a good attorney will advise you on dealing with your creditors in the meantime. It may be advantageous to continue paying certain creditors. It may also be important to stop paying certain creditors, even if you don’t want to discharge that particular debt. Always get good advice early.

Other Frequently Asked Questions:

Client Testimonials

Attorney Jason Braswell & Lisa LaCount are just wonderful...not one time have I call the office that I didn’t get a chance to speak directly to Jason or Lisa, or receive an immediate return call/email with a response. Thanks to this attorney team, my mind and our finances are in order. - C.P.

Catherine Pettit

Morgan & Morgan worked on disability benefits for my unemployed 50-year old brother who was homeless and suffering from autism/Asperger’s syndrome. We all knew nothing (!) and Mr. Morgan was a breath of fresh air.

Disability client

My experience with Morgan & Morgan was exceptional!!! I was very well informed about their procedures and felt comfortable about going forth with my case. Everything was handled with importance. - C.J.

Casmin Jones

We were fully enlightened about our situation which helped us choose our best choice concerning a problem. We would recommend Mr Braswell to our friends. - H.A.

Harold Andrews

A very respectful law firm that has very good customer service which is job one in the human world. Thank you Morgan and Morgan of Athens, GA. - W.S.


Jason is the best lawyer ever. I appreciate everything he's done in my case. I could never thank him enough.


Dedicated to providing superior service not found elsewhere.

Morgan & Morgan attorneys can help settle your debts such as credit card debt, auto loans and mortgage debt. Contact us if you need assistance with baknruptcy or have any questions about the process. No problem is too big or too small for us to help.