Filing for Bankruptcy in Georgia
Bankruptcy touches the lives of hundreds of thousands of people throughout the United States each year. People file for bankruptcy in Georgia and other states for many reasons. Common reasons for filing bankruptcy in Georgia include unemployment, illness, the death of a family member, and accidental injury.
If you are struggling with debts you cannot pay, a Chapter 7 or Chapter 13 bankruptcy case may be the solution to your problems. Filing a Chapter 7 bankruptcy in Georgia may not be as difficult as you assume. You can even file a Chapter 7 bankruptcy in Georgia without an attorney.
If you need a fresh start, click here to start Upsolve's free bankruptcy process. It is our mission to assist low-income individuals who need to file Chapter 7 bankruptcy in Georgia but who cannot afford to pay a bankruptcy attorney for help.
Chapter 7 vs. Chapter 13 Bankruptcy in Georgia
Chapter 7 bankruptcy in Georgia is intended for low-income individuals and couples who do not have disposable income to repay their debts. Through a Chapter 7 case, you can discharge most, if not all, of your unsecured debts.
Unsecured debts include medical bills, credit card debt, and personal loans. Student loans and most income tax debt are not eligible for a discharge. Alimony and child support are also non-dischargeable in a bankruptcy in Georgia.
Why Should I File For Chapter 7 Debt Relief?
A Chapter 7 bankruptcy in Georgia can give you the debt relief you cannot get by any other means. When you file your Chapter 7 bankruptcy forms, the bankruptcy automatic stay goes into effect immediately. The automatic stay prevents your creditors from taking any further action to collect the debts while you are in bankruptcy.
When you complete your bankruptcy case, your bankruptcy discharge prevents creditors from collecting discharged debts. For instance, if you file bankruptcy in Georgia and all your credit card debt, personal loans, and medical bills are discharged, those creditors cannot try to make you pay the debt. They cannot contact you, file a debt collection lawsuit, garnish your wages, or take any other actions to collect the debt.
Therefore, filing a Chapter 7 bankruptcy in Georgia gives you a fresh start to begin rebuilding your financial well-being after a financial crisis. Remember, you can file bankruptcy in Georgia without an attorney.
Watch testimonials from past users who explain how Upsolve helps you file for bankruptcy relief without an attorney. Millions of people have gotten a second chance by filing for bankruptcy relief with our help.
How Difficult Is It to File a Chapter 7 Bankruptcy in Georgia?
It is not any more difficult to file for Chapter 7 bankruptcy relief in Georgia than it is to file a bankruptcy case in another state. Bankruptcy law is federal law; therefore, the same laws apply to bankruptcies filed in all 50 states. Bankruptcy courts are located in all states to accept bankruptcy filings. Upsolve can help you get started.
The first step is to determine if you qualify for filing under Chapter 7 of the Bankruptcy Code. You must pass a Means Test which compares your average income to the median income of households of the same size in your area. If your income or disposable income is below a certain amount, you qualify to file under Chapter 7.
We help you complete the Means Test to determine if you are eligible for a bankruptcy discharge under Chapter 7. If you qualify, you must then complete your bankruptcy forms to file a bankruptcy in Georgia.
Again, we do not expect you to understand all the bankruptcy forms. Therefore, we walk you through the process of completing the forms. Before you file your bankruptcy in Georgia, an attorney reviews your forms. Again, this service is provided to low-income households at no cost.
Even though you may not be able to afford to hire a bankruptcy attorney, you can file bankruptcy in Georgia to obtain the debt relief you need.
What About the Bankruptcy Courses?
If you have heard that you must complete a bankruptcy course to file bankruptcy in Georgia, you are correct. Debtors in all 50 states are required to complete a Credit Counseling Course as part of their bankruptcy filing.
The good news is the course is offered for bankruptcy in Georgia online at very little cost (about $15) to you. The course only takes about 90 minutes to complete, and you receive your certificate of completion to file with the court immediately.
You must also complete a Debtor Education Course to obtain your bankruptcy discharge. Again, the course is available for bankruptcy in Georgia online for about $10. It can be completed in about two hours, and your certificate of completion is available within minutes of completing the bankruptcy course.
Are you ready to begin the process to file Chapter 7 bankruptcy in Georgia? If so, learn more about Upsolve, a non-profit organization whose mission is to help low-income families struggling to pay debts that cannot afford to pay to get a fresh start through Chapter 7 bankruptcy in Georgia. Our services are provided at no cost to qualified households.
Are You Still Not Convinced That Filing Bankruptcy in Georgia is Right for You?
If you cannot pay your debts, your creditors will continue collection efforts. Those collection efforts may become more aggressive. Lawsuits and collection efforts may result in severe financial hardships.
Filing bankruptcy in Georgia can end collection efforts. When you file bankruptcy in Georgia, your income and property are protected by bankruptcy exemptions. Most Chapter 7 bankruptcies filed in the United States are no-asset cases.
In a no-asset Chapter 7 bankruptcy in Georgia, you get to keep all your property while getting rid of your unsecured debts. For many individuals and couples, filing bankruptcy in Georgia is the best way to protect their property and eliminate debt.
In addition, when you file bankruptcy in Georgia, you can begin rebuilding your credit after your bankruptcy case is closed. Many debtors are able to improve their credit rating after bankruptcy quicker than if they ignore their debt problem and allow the creditors to continue collection efforts.
The benefits of filing Chapter 7 bankruptcy in Georgia vary depending on an individual’s situation. However, the first step you need to take is to contact Upsolve to determine if you qualify for our no cost bankruptcy services.
You may be able to file bankruptcy in Georgia without an attorney for very little cost. You could get rid of thousands of dollars of debt for the cost of filing your bankruptcy forms and completing your bankruptcy courses.
Contact our office now to discuss your financial situation with a friendly, compassionate, and experienced professional.