How To File For Bankruptcy In Ga Without A Lawyer – In case you live in Georgia and wish to file for Chapter 7 or Chapter 13 bankruptcy, you complete the bankruptcy petition along with other needed forms should participate in credit counseling before you file, and file those forms. Before receiving your discharge you must complete debtor counselling.
The overall insolvency filing process in Georgia is much like other states because insolvency is mainly governed by federal bankruptcy laws. However, there’s some Georgia-specific info you’ll have to include in your bankruptcy forms. Find an authorized credit and debt counselor and you’ll also have to learn regarding the Georgia bankruptcy exemptions.
How To File For Bankruptcy In Ga Without A Lawyer
In order to be eligible for Chapter 7 or Chapter 13 bankruptcy, you have to show which you received credit counseling from an agency accepted by the U.S. Trustee in Georgia within the six month interval before you file for bankruptcy. You’ll also have to take a debtor education course before you get a bankruptcy discharge.
Georgia Bankruptcy Exemptions
Georgia has a collection of bankruptcy exemptions which help determine what property you can keep in Chapter 7 bankruptcy, and play a role in just how much you repay unsecured creditors in Chapter 13 bankruptcy.
In Georgia, you are not permitted to use the federal bankruptcy exemptions (unlike some states, which do permit their use).
When you declare Chapter 7 or Chapter 13 bankruptcy, you must complete a bankruptcy petition, a number of programs featuring detailed information regarding your finances, and various other types, including a lengthy form referred to as the “means test” (for Chapter 7) along with the same kind for Chapter 13.
Finding Means Test Advice for Georgia
When you file for bankruptcy in Georgia, you should compare your earnings to the median income for a household of your size in Georgia. In case your earnings are less than the median, you will end up eligible to apply for Chapter 7 and, in the event you determine to apply for Chapter 13, you can use a three-year repayment strategy (rather than five years). This is named the means test.
You still might be eligible for Chapter 7 if your earnings are above Georgia’s median income, but you’ll have to supply detailed information about your expenses and payments on secured debts to be able to discover. Chapter 13 filers also have to provide these records.
Getting Local Bankruptcy Forms
Bankruptcy courts and some judicial districts require bankruptcy filers to complete additional “local farms.” In case additional forms are required by your court, contact the bankruptcy filing clerk to find out. Some courts post these forms online on the court’s site.