Macon, Georgia personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was changed requiring that individuals qualify to file for Chapter 7 bankruptcy. The debtor has to first take the Means Test. If the Means Test establishes that the debtor can file for a Chapter 7 bankruptcy then it is important to know that there are other conditions. All individuals seeking Chapter 7 bankruptcy protection should undergo a debt counseling course within six months of filing for Chapter 7 bankruptcy. Also the debtor will also be made to attend a financial education course before discharge of the debts. All individuals considering bankruptcy must consult with an experienced Macon, Georgia personal bankruptcy because the changes to Federal 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 complete credit counseling with a United States Trustee approved agency. 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 exists a genuine need to file for bankruptcy or whether 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