Augusta, Georgia personal bankruptcy attorney

Augusta, Georgia personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was altered requiring that individuals qualify to file for Chapter 7 bankruptcy. The debtor must first take the Means Test. If the Means Test establishes that the debtor can file for a Chapter 7 bankruptcy then it is important to understand that there are more requirements. All individuals filing for Chapter 7 bankruptcy protection must attend a debt counseling course within six months of filing for Chapter 7 bankruptcy. In addition the debtor may also be made to complete a financial education course before discharge of the debts. All individuals considering bankruptcy must consult with an experienced Augusta, Georgia personal bankruptcy because the changes to Federal Bankruptcy Code have now made it tough to qualify for Chapter 7. Prior to filing for bankruptcy under either Chapter 7 or Chapter 13, you should complete credit counseling with a United States Trustee approved agency. You can obtain the list of approved agencies from the United States Trustee’s website located at www.usdoj.gov/ust. This counseling is meant to provide you an idea of whether there is a real need to file for bankruptcy or if an informal repayment plan would will be enough.

---------------------We are Augusta GA bankruptcy lawyer | Georgia attorney that assist their clients in filing for Chapter 7 Bankruptcy and Chapter 13 Bankruptcy in Augusta GA.