Jones County, Georgia personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was altered requiring that debtors qualify to seek protection under Chapter 7 bankruptcy. The debtor must 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 understand that there are more requirements. All individuals seeking Chapter 7 bankruptcy protection has to attend a debt counseling course within six 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 Jones County, Georgia personal bankruptcy since the changes to United States 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 should undergo credit counseling with a United States Trustee approved agency. 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 is a genuine requirement to file for bankruptcy or if an informal repayment plan can will be sufficient.

---------------------Macon Georgia bankruptcy lawyer | Bankruptcy attorneys in Macon GA and Warner Robins - Filing for Chapter 7 Bankruptcy and Chapter 13 Bankruptcy in Macon GAhttp://www.macongabankruptcy.com