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Chapter 7 bankruptcy is known to some Georgians as the “fresh-start” or “clean-slate” bankruptcy. Chapter 7 got these names due to its ability to erase debts completely. This is the most common type of personal bankruptcy, and is often the chapter that is thought of first when researching bankruptcy in Georgia.

What are common debts that Chapter 7 Bankruptcy will Eliminate?

  • Personal Loans
  • Medical Bills
  • Promissory Notes
  • Credit Card Debts
  • Utility Bills
  • Mortgage or Rent Payments

Why should I hire a Chapter 7 bankruptcy attorney?

Atlanta Chapter 7 Bankruptcy

This type of personal bankruptcy will allow you to get a fresh start by completely ridding you of most debts. However, this has caused many people to take advantage of the system and bankruptcy process in the past. In 2005 new bankruptcy laws were passed to protect the process to ensure that only those who needed chapter 7 bankruptcy were able to file. Hiring a great chapter 7 bankruptcy attorney will greatly increase the chances of you being able to file for bankruptcy. An attorney can assess your situation and make a recommendation for you based on your individual financial situation.

How will I qualify for Chapter 7 bankruptcy?

When applying for chapter 7 bankruptcy you will be required to complete the GA Means Test. This is not exactly a “test” but an evaluation of your current financial state. This test will take into account your income and a total of all your expenses to determine if you are currently above or below Georgia's current median income.

Chapter 7 bankruptcy is a great choice for Georgia residents in dire financial situations. Our attorneys at C. Golden & Associates are highly knowledgeable in chapter 7 bankruptcy and all current bankruptcy laws. We can help you get started today. We have locations serving Atlanta, Lithonia, Fayetteville GA and all metro areas to make filing bankruptcy easier. Give us a call now to schedule a free consultation with one of our experienced chapter 7 bankruptcy attorneys.

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C Golden & Associates, LLC, Attorneys - Bankruptcy, Lithonia, GA

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