Macon, GA personal bankruptcy attorney

In 2005 the United States Bankruptcy Code was changed requiring that debtors qualify to file for Chapter 7 bankruptcy. The debtor must first take the Means Test. If the Means Test shows that the debtor can file for a Chapter 7 bankruptcy then it is important to understand that there are more conditions. All individuals filing for Chapter 7 bankruptcy protection has to undergo a debt counseling course within six months of filing for Chapter 7 protection. In addition the debtor will also be required to undergo a financial education course prior to discharge of the debts. All persons considering bankruptcy should consult with an experienced Macon, GA personal bankruptcy since the changes to US 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. The United States Trustee’s website located at www.usdoj.gov/ist has the list of the approved agencies.. This counseling is meant to give you an idea of whether there is a real 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