Columbia County, Georgia individual bankruptcy attorney

A person can file for bankruptcy under Chapter 7 in Columbia County, Georgia and can have certain debts discharged if they fullfil the necessary requirements. These necessary criteria were established by the BACCP Act and now include both a means test and the necessity to undergo credit counseling. The process is complicated and you must hire the services of a Columbia County, Georgia ndividual bankruptcy attorney
Before being allowed to file a Chapter 7 bankruptcy an individual must prove that their disposable income falls below a certain limit which can differ slightly from state to state based on the average income of that state.
The individual will also need to have received credit counseling from an accredited organization at some stage in the 180 days preceeding their bankruptcy petition.
Once the Chapter 7 petition has been filed in Columbia County, Georgia, an impartial trustee is appointed to sell the non-exempt assets of the filer. The trustee often will be an attorney or someone who is aware of the bankruptcy laws and the courts. The trustee will hold a meeting of creditors, generally within 40 days from the filing date. The filer should attend this meeting and must provide to an examination under oath. The examination usually is limited to questions about the extent and whereabouts of the debtor's assets. However, the trustee may ask questions to ensure the filer is aware of the potential results of bankruptcy, including the effect on his credit history, ability to file a petition under a different chapter, the effect of receiving a discharge, and the effect of reaffirming a debt. The filing of a Chapter 7 proceeding in Columbia County, Georgia under the US Bankruptcy Code creates a bankruptcy estate. A trustee is entrusted with liquidating all property of the estate.

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