Evans, GA personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was changed requiring that individuals qualify to seek protection under Chapter 7 bankruptcy. The debtor must first take the Means Test. If the Means Test establishes that the debtor qualifies to file for a Chapter 7 bankruptcy then it is important to understand that there are other conditions. All individuals filing for Chapter 7 bankruptcy protection must attend a debt counseling course within 6 months of filing for Chapter 7 bankruptcy. Also the debtor can also be made to complete a financial education course prior to discharge of the debts. All persons considering bankruptcy must consult with an experienced Evans, GA personal bankruptcy as 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 must undergo credit counseling with an agency approved by the United States Trustee's office. 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 give you an idea of whether there is a real need to file for bankruptcy or whether 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.