Table of Contents

• Overview
• Qualifications
• Procedure for Filing Bankruptcy Yourself in Georgia
• Costs
• Conclusion

Overview

Bankruptcy is a federal process that can be used to eliminate or reorganize debts. For Georgia residents, filing for bankruptcy without the assistance of a lawyer can be a complex process. Understanding the process and qualifications for filing bankruptcy is essential for a successful filing.

Qualifications

In order to file for bankruptcy in Georgia without a lawyer, an individual must be a resident of the state. To qualify for either Chapter 7 or Chapter 13 bankruptcy, the individual’s income must be at or below the median income for the state. Additionally, the individual must have completed a credit counseling course within 180 days of filing. Finally, the individual must not have had a bankruptcy dismissed within the last 180 days.

Procedure for Filing Bankruptcy Yourself in Georgia

When filing for bankruptcy without the help of a lawyer, an individual must first gather the necessary documents, such as income tax returns, pay stubs, statements of assets and liabilities, and a list of creditors and amounts owed. Then, the individual must file a petition for bankruptcy with the bankruptcy court for his or her district. The court will then issue an order of relief, which will prohibit creditors from contacting the individual about the debts.

After the petition is filed, the individual will receive a notice of the first creditors’ meeting from the court. At this meeting, the bankruptcy trustee will ask questions about the individual’s assets and liabilities. The individual must also provide proof of the completed credit counseling course. After the creditors’ meeting, the individual must complete a financial management course within 45 days in order to receive a discharge of debts.

Costs

The filing fee for bankruptcy in Georgia is $335 for a Chapter 7 bankruptcy and $310 for a Chapter 13 bankruptcy. In addition, the individual may need to pay for credit counseling and financial management courses, which can cost anywhere between $50 and $100. It is important to note that there are several organizations that offer free or reduced-fee credit counseling and financial management courses.

Conclusion

Filing for bankruptcy without the help of a lawyer can be a complex process. However, with the proper understanding of the process and qualifications for filing, an individual can successfully complete the process. The cost for filing bankruptcy in Georgia is relatively low, and there are organizations that offer free or reduced-fee credit counseling and financial management courses.

Answering the questions: How do I file bankruptcy myself in Georgia? Bankruptcy is a federal process that can be used to eliminate or reorganize debts. To file for bankruptcy in Georgia without a lawyer, an individual must first gather the necessary documents, and then file a petition with the bankruptcy court. After the petition is filed, the individual will receive a notice of the first creditors’ meeting, and after the meeting, the individual must complete a financial management course within 45 days in order to receive a discharge of debts.

What disqualifies you from filing bankruptcies? To qualify for either Chapter 7 or Chapter 13 bankruptcy, the individual’s income must be at or below the median income for the state. Additionally, the individual must have completed a credit counseling course within 180 days of filing. Finally, the individual must not have had a bankruptcy dismissed within the last 180 days.

Can you declare bankruptcy yourself? Yes, it is possible to declare bankruptcy yourself, however it can be a complex process. It is important to understand the process and qualifications for filing in order to successfully complete the process.

How much is a bankruptcy lawyer in GA? Bankruptcy lawyers in Georgia typically charge anywhere between $1,500 and $3,000 depending on the complexity of the case. The filing fee for bankruptcy in Georgia is $335