Georgia Bankruptcy Laws

Chapter 7 and Chapter 13 Bankruptcy Filings in Georgia

If you live in Georgia and are thinking of filing for bankruptcy a Georgia bankruptcy attorney will go over all of your options.

Learn, with the help of a Georgia bankruptcy attorney, whether filing Chapter 7 or Chapter 13 bankruptcy is right for you.

For a consultation with a local Georgia bankruptcy attorney just fill out the form on this page.

Fill out our 10-second application form and have one of our attorneys contact you!

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Bankruptcy Laws and Georgia Exemptions

In your first visit with your Georgia bankruptcy attorney you will see all of the differences from Chapter 7 and Chapter 13 bankruptcy.

During this consultation your bankruptcy attorney in Georgia will ask you many personal finance questions or give you with a profile sheet to list certain details regarding your finances. The answers you provide should help you and your attorney in deciding if filing Chapter 7 or Chapter 13 bankruptcy is appropriate for you.

Chapter 7 bankruptcy is usually called liquidation as the bankruptcy trustee may opt to sell or auction non-exempted property (see State Exemptions list below).

However, in the majority of Chapter 7 bankruptcy cases, the individual filing bankruptcy owns no non-exempt property, so this would not apply to the majority of filings. If you do not own much property or have many assets Chapter 7 bankruptcy may be the best choice since you would be allowed to discharge most or all of your unsecured debt.

Before filing Chapter 7 bankruptcy please discuss your situation with a Georgia bankruptcy attorney to determine exactly how much property may be exempt from liquidation.

The state bankruptcy law offers certain exemptions to probable bankruptcy filers who are out to file for a bankruptcy in Georgia. Some of these have been mentioned below.

Before filing Chapter 7 bankruptcy please discuss your situation with a Georgia bankruptcy attorney to determine exactly how much property may be exempt from liquidation.

Georgia State Exemptions

Homestead

$10,000 for real or personal property. $20,000 if property owner is married.

Wages

75 percent of weekly earnings.

Automobiles

Your interest in up to $3,500 in all motor vehicles.

Personal Property

• $1,500 for any implements, professional books, tools of the trade.
• Up to $300 in value in any one item.
• Up to $5,000 in household furnishings, good, clothes, appliances, books, animals, crops or musical instruments.
• $500 in jewelry.
• Certain retirement and insurance benefits may be fully exempt.

Chapter 13 Bankruptcy is also called “reorganization”. Individuals filing Chapter 13 may own more property and by filing Chapter 13 may also retain most of their assets.

In Chapter 13 bankruptcy, the debtor draws up a proposal for a repayment plan for a term of 3 to 5 years, which must be approved by a bankruptcy court. This installment plan enables the debtor to repay outstanding bills.

Speak With a Georgia Bankruptcy Attorney Today

If you have ever considered filing bankruptcy in Georgia you may not know where to begin or simply feel burdened by the vast array of bankruptcy laws.

To resolve any questions about the bankruptcy laws, a Georgia bankruptcy attorney will be able to walk you through the bankruptcy process in everyday terms. When you consult a Georgia bankruptcy attorney you will also be able to get many of your questions and concerns answered in the initial consultation.

We take the nightmare out of finding a good Georgia bankruptcy attorney. Just complete our free bankruptcy questionnaire on this page and we will connect you with a Georgia bankruptcy attorney in your area.

Note: This is not legal advice. All bankruptcy laws in any state need the consult of a bankruptcy attorney licensed in that state. Consult a local attorney if you are seeking legal advice. Some or all bankruptcy laws may have changed since this page was created.

Georgia bankruptcy attorneys are available in these cities:

ACWORTH, ADEL, ADRIAN, AIRPORT MAIL CENTER, ALAPAHA, ALLENHURST, ALLENTOWN, ALPHARETTA, ALTO, ARABI, ARGYLE, ARLINGTON, ARNOLDSVILLE, ASHBURN, ATHENS, ATL, ATLANTA, ATTAPULGUS, AUBURN, AUSTELL, AVERA, AVONDALE ESTATES, BACONTON, BAINBRIDGE, BAKER-TAYLOR, BALDWIN, BALL GROUND, BARNEY, BARWICK, BAXLEY, BERLIN, BETHLEHEM, BISHOP, BLAIRSVILLE, BLAKELY, BLOOMINGDALE, BLUE RIDGE, BOGART, BOLINGBROKE, BOSTON, BOSTWICK, BOWDON, BOWDON JCT, BOWERSVILLE, BOWMAN, BRASELTON, BRINSON, BRISTOL, BROOKFIELD, BRUNSWICK, BUCKHEAD, BUSINESS REPLY MAIL, BYRON, CADWELL, CAIRO, CALVARY, CAMILLA, CANON, CANTON, CARLTON, CARNESVILLE, CARROLLTON, CECIL, CEDAR SPRINGS, CHERRYLOG, CHESTNUT MOUNTAIN, CHESTNUT MTN , CHICKAMAUGA, CHULA, CLARKDALE, CLARKESVILLE, CLARKSTON, CLAYTON, CLERMONT, CLEVELAND, CLIMAX, CLYO, COLBERT, COLQUITT, COMER, COMMERCE, CONYERS, COOLIDGE, CORDELE, CORNELIA, COTTON, COVINGTON, CRAWFORD, CRESCENT, CULLODEN, CUMMING, DAHLONEGA, DALLAS, DAMASCUS, DANIELSVILLE, DANVILLE, DARIEN, DAWSONVILLE, DECATUR, DEMOREST, DENTON, DEWY ROSE, DEXTER, DILLARD, DIXIE, DOBBINS AFB, DOERUN, DONALSONVILLE, DOUGLASVILLE, DOVER, DRY BRANCH, DU PONT, DUBLIN, DUDLEY, DULUTH, EAST DUBLIN, EAST ELLIJAY, EASTANOLLEE, EATONTON, EDEN, ELBERTON, ELLABELL, ELLAVILLE, ELLENTON, ELLIJAY, ENIGMA, EPWORTH, FARGO, FARMINGTON, FEDERAL CORRECTIONAL INST, FITZGERALD, FLEMING, FLINTSTONE, FLOWERY BRANCH, FOLKSTON, FORSYTH, FORT OGLETHORPE, FORT STEWART, FORT VALLEY, FOWLSTOWN, FRANKLIN SPRINGS, FUNSTON, GAINESVILLE, GARDEN CITY, GARFIELD, GEICO CLAIMS, GEICO UNDERWRITING, GILLSVILLE, GOOD HOPE, GORDON, GRAY, GRAYSVILLE, GREENSBORO, GUYTON, HADDOCK, HAHIRA, HARTSFIELD, HARTWELL, HAZLEHURST, HELEN, HIAWASSEE, HICKORY BLUFF, HIGH SHOALS, HINESVILLE, HIRAM, HOBOKEN, HOLLY SPRINGS, HOMER, HOMERVILLE, HORTENSE, HOSCHTON, HULL, HUNTER AAF, ILA, IRON CITY, IRWINTON, IRWINVILLE, JAKIN, JASPER, JEFFERSON, JEFFERSONVILLE, JEKYLL ISLAND, JERSEY, JESUP, JULIETTE, KENNESAW, KINGSLAND, KITE, KNOXVILLE, LA FAYETTE, LAKE PARK, LAKELAND, LAKEMONT, LAVONIA, LEBANON, LEESBURG, LENOX, LEXINGTON, LITHIA SPRINGS, LIZELLA, LOCKHEED, LOGANVILLE, LOOKOUT MOUNTAIN, LOUISVILLE, LUDOWICI, LULA, MABLETON, MACON, MADISON, MANSFIELD, MAR, MARBLE HILL, MARIETTA, MARTIN, MATTHEWS, MAXEYS, MAYSVILLE, MC CAYSVILLE, MC INTYRE, MEIGS, MELDRIM, MENLO, MERIDIAN, MIDVILLE, MIDWAY, MILLEN, MINERAL BLUFF, MONROE, MONTROSE, MOODY A F B, MORGANTON, MORVEN, MOULTRIE, MOUNT AIRY, MOUNT ZION, MOUNTAIN CITY, MURRAYVILLE, MUSELLA, MYSTIC, NAHUNTA, NASHVILLE, NAYLOR, NELSON, NEWINGTON, NICHOLSON, NORMAN PARK, NORRISTOWN, NUNEZ, OAKFIELD, OAKWOOD, OCHLOCKNEE, OCILLA, ODUM, OLIVER, OMEGA, OXFORD, PARROTT, PAVO, PELHAM, PENDERGRASS, PERKINS, POOLER, PORTERDALE, POULAN, POWDER SPRINGS, PRESTON, QUITMAN, RABUN GAP, RAY CITY, REBECCA, RENTZ, RICEBORO, RICHMOND HILL, RINCON, RINGGOLD, RISING FAWN, ROBERTA, ROCK SPRING, ROCKLEDGE, ROCKY FORD, ROOPVILLE, ROSSVILLE, ROSWELL, ROYSTON, RUTLEDGE, SAINT MARYS, SAINT SIMONS ISLAND, SALE CITY, SAPELO ISLAND, SAUTEE NACOOCHEE, SAVANNAH, SCOTTDALE, SCREVEN, SILOAM, SMARR, SMITHVILLE, SMYRNA, SOCIAL CIRCLE, SPARKS, SPRINGFIELD, STAPLETON, STATENVILLE, STATHAM, STEPHENS, STILLMORE, STOCKTON, SUCHES, SUMNER, SURRENCY, SWAINSBORO, SYCAMORE, SYLVANIA, SYLVESTER, TALKING ROCK, TALLULAH FALLS, TALLULAH FLS , TALMO, TATE, TEMPLE, THOMASVILLE, TIFTON, TIGER, TOCCOA, TOCCOA FALLS, TOOMSBORO, TOWNSEND, TRENTON, TUCKER, TUNNEL HILL, TURNERVILLE, TWIN CITY, TY TY, TYBEE ISLAND, UNION POINT, VALDOSTA, VARNELL, VILLA RICA, WACO, WADLEY, WALESKA, WALTHOURVILLE, WARWICK, WATKINSVILLE, WAYNESVILLE, WESTON, WHIGHAM, WHITE OAK, WHITE PLAINS, WHITESBURG, WILDWOOD, WILEY, WINDER, WINSTON, WINTERVILLE, WOODBINE, WOODSTOCK, WRAY, WRENS, WRIGHTSVILLE, YOUNG HARRIS