Columbus, Georgia personal bankruptcy attorney

In 2005 the United States Bankruptcy Code was altered requiring that debtors qualify to seek protection under Chapter 7 bankruptcy. The debtor should first take the Means Test. If the Means Test establishes that the debtor qualifies to file for a Chapter 7 bankruptcy then it is important to know that there are other conditions. All individuals seeking Chapter 7 bankruptcy protection must attend a debt counseling course within 6 months of filing for Chapter 7 protection. Also the debtor can also be made to undergo a financial education course prior to discharge of the debts. All individuals considering bankruptcy should consult with an experienced Columbus, Georgia personal bankruptcy as the changes to United States Bankruptcy Code have now made it difficult to qualify for Chapter 7. Before you can file for bankruptcy under either Chapter 7 or Chapter 13, you should undergo credit counseling with an agency approved by the United States Trustee's office. You can obtain the list of approved agencies from the United States Trustee’s website located at www.usdoj.gov/ust. This counseling is meant to give you an idea of whether there is a genuine need to file for bankruptcy or if an informal repayment plan would will be enough.

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