Columbus, GA personal bankruptcy attorney

In 2005 the US Bankruptcy Code was changed mandating that debtors qualify to file for Chapter 7 bankruptcy. The debtor should first take the Means Test. If the Means Test shows that the debtor qualifies to file for a Chapter 7 bankruptcy then it is important to understand that there are more requirements. All individuals seeking Chapter 7 bankruptcy protection must undergo a debt counseling course within six months of filing for Chapter 7 protection. In addition the debtor may also be required to attend a financial education course prior to discharge of the debts. All persons considering bankruptcy should consult with an experienced Columbus, GA personal bankruptcy as the changes to US Bankruptcy Code have now made it tough to qualify for Chapter 7. Prior to filing for bankruptcy under either Chapter 7 or Chapter 13, you must undergo credit counseling with an agency approved by the United States Trustee's office. The list of approved agencies is available on the United States Trustee’s website located at www.usdoj.gov/ust. This counseling is meant to give the debtor an idea of whether there exists a real need to file for bankruptcy or if an informal repayment plan can will be sufficient.

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