Columbia County, Georgia personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was altered requiring that individuals qualify to seek protection under Chapter 7 bankruptcy. The debtor has to first take the Means Test. If the Means Test shows that the debtor can file for a Chapter 7 bankruptcy then it is important to know that there are more requirements. All individuals seeking Chapter 7 bankruptcy protection must attend a debt counseling course within 6 months of filing for Chapter 7 bankruptcy. In addition the debtor can also be made to complete a financial education course before discharge of the debts. All individuals considering bankruptcy should consult with an experienced Columbia County, Georgia personal bankruptcy because the changes to United States Bankruptcy Code have now made it tough to qualify for Chapter 7. Before you can file for bankruptcy under either Chapter 7 or Chapter 13, you should undergo credit counseling with a United States Trustee approved agency. You can get the list of approved agencies from the United States Trustee’s website located at www.usdoj.gov/ust. This counseling is meant to give you an idea of whether there is a real requirement to file for bankruptcy or if an informal repayment plan can will be sufficient.

---------------------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.