What is Chapter 7 bankruptcy in Georgia?

Chapter 7 bankruptcy is a liquidation bankruptcy that allows individuals to eliminate most unsecured debts like credit cards and medical bills. The process typically takes 4-6 months and gives you a fresh financial start.

Do I qualify for Chapter 7 bankruptcy in Georgia?

To qualify you must pass the Georgia means test, which compares your income to the state median. If your income is below the median you automatically qualify. If above, additional calculations determine eligibility.

What debts can be eliminated in Chapter 7 in Georgia?

Chapter 7 can eliminate credit card debt, medical bills, personal loans, utility bills, and most other unsecured debts. It cannot eliminate student loans, child support, alimony, or most tax debts.

How long does Chapter 7 bankruptcy take in Georgia?

Chapter 7 typically takes 4-6 months from filing to discharge in the Northern District of Georgia.

Will I lose my property if I file Chapter 7 in Georgia?

Not necessarily. Georgia exemptions protect up to $21,500 in home equity, $5,000 in vehicle equity, and other personal property. Most Chapter 7 filers keep all of their property.

How does Chapter 7 affect my credit score in Georgia?

Chapter 7 will appear on your credit report for 10 years. However most filers see their credit score begin to improve within 12-18 months of their discharge by responsibly using secured credit cards.

Georgia Bankruptcy Information In Your City

Free bankruptcy information for Georgia residents statewide. Find resources specific to your city.

Bankruptcy Information for Georgia Residents

From Atlanta to Valdosta, Savannah to Warner Robins. Every city page is built specifically for your area, with information about your local federal bankruptcy court, Georgia exemptions, and exactly what to expect during the process.

Select your city below to find bankruptcy information specific to your area — including which federal district handles your case, what property Georgia law protects, how the Chapter 7 and Chapter 13 process works, and answers to the most common questions people in your community are asking.

Georgia Federal Bankruptcy Courts

Bankruptcy cases in Georgia are filed in one of three federal districts depending on where you live. Each district has its own courthouse locations where 341 Meetings of Creditors are held.

Northern District of Georgia — Covers Atlanta, Marietta, Roswell, Sandy Springs, Jonesboro, Stockbridge, McDonough, Athens, and Gainesville. Hearings held in Atlanta and Gainesville.
Middle District of Georgia — Covers Macon, Warner Robins, Columbus, Albany, and Valdosta. Hearings held in Macon, Columbus, and Valdosta.
Southern District of Georgia — Covers Savannah, Augusta, and Brunswick. Hearings held in Savannah and Augusta.