Consumer-SOS/Bankruptcy (Georgia)

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Bankruptcy

FAQ's & Articles	Forms
Exemptions	Law Links
Courts

FAQ's & Articles

FAQS Under the New Bankruptcy Laws
Biggest Changes: Debtor must now pass the "means test" and get mandatory consumer credit counseling. Debtor's assets are now valued higher and refiling for a second or third bankruptcy is much tougher. To take advantage of a state's pro bankruptcy laws, you must now reside there for two years instead of three months.

Bankruptcy Answers To Frequently Asked Questions
See left hand index for changes in the law, common mistakes, FAQs about discharging liens, garnishments, mortgages, student loans, taxes, making a budgets, etc. Great for federal law (non-residents should ignore Kentucky law links).

The New Bankruptcy Laws for 2006 and Beyond

*Overview Of Bankruptcy In Georgia (Before New Bankruptcy Laws)
Some rules will have changed due to new laws.

The New Bankruptcy Laws (Federal For All States)
Also has info on discharging credit cards, divorce debts and more

*FAQs About Chapter 7 & Debt Reaffirmation (GA)
May be necessary to keep your car or house.

Chapter 7 or 13? (GA)
Learn the pros and cons for each option.

Basic FAQs About Bankruptcy (Good Overview)

What Is An Exemption?

How Various Kinds Of Debt Are Treated In Bankruptcy
Find out how bankruptcy treats debt from credit cards, taxes, home loans, student Loans, lawsuits, and child support.

Discharging Taxes In Bankruptcy

Soldiers' and Sailors' Relief Act:
If you're a reserve component service member called to active duty, you're protected by a law that can save you some legal problems and possibly some money as well. Under the provisions of the Soldiers' and Sailors' Civil Relief Act of 1940, you may qualify for any or all of the following: • Reduced interest rate on mortgage payments. • Reduced interest rate on credit card debt. • Protection from eviction if your rent is $1,200 or less. • Delay of all civil court actions, such as bankruptcy, foreclosure or divorce proceedings.

Exemptions
In Georgia
In Other States

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Georgia

What Is An Exemption?

*Types of Bankruptcy/Georgia Property Exemptions

Chapter 7 or 13? (GA)
Learn the pros and cons for each option.

*Exemptions (A longer list but more technical)
Scroll down past the court section.

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In Other States

Exemptions In Each Of The Fifty States & DC
Scroll to middle of the page and click on your state.

Bankruptcy Exemptions (In 47 States Including GA)

The States Where You Can Choose Between Federal & State Exemptions

Federal Exemptions Found In The US Bankruptcy Code

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Courts

The Eleventh Circuit Court (GA)

Middle District Of Georgia

Northern District Of GA

Did They Filed For Bankruptcy? (All 50 States & DC)
Simply call each state's automated system and punch in the person's name. A recorded message will tell you if or when they've filed for bankruptcy. It's all free. Records before the year 2000 may not be available.

More GA Courts

Bankruptcy Court Websites (Many States Including GA)

United States Bankruptcy Courts (All 50 States & DC)
Not every state has links.

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Forms

Download Free Bankruptcy Forms

More Bankruptcy Forms

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Law Links

ABI World - American Bankruptcy Institute