Richmond County, Georgia personal bankruptcy attorney

In 2005 the United States Bankruptcy Code was changed requiring that individuals qualify to seek protection under Chapter 7 bankruptcy. The debtor should 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 know that there are more requirements. All individuals seeking Chapter 7 bankruptcy protection should attend a debt counseling course within six months of filing for Chapter 7 bankruptcy. In addition the debtor can also be required to complete a financial education course before discharge of the debts. All individuals considering bankruptcy must consult with an experienced Richmond County, Georgia personal bankruptcy because the changes to US Bankruptcy Code have now made it difficult to qualify for Chapter 7. Prior to filing for bankruptcy under either Chapter 7 or Chapter 13, you should undergo credit counseling with an agency approved by the United States Trustee's office. 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 genuine requirement to file for bankruptcy or if an informal repayment plan would 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.