Warner Robins, GA personal bankruptcy attorney

In 2005 the Federal Bankruptcy Code was altered requiring that individuals 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 know that there are other requirements. All individuals filing for Chapter 7 bankruptcy protection must undergo a debt counseling course within 6 months of filing for Chapter 7 bankruptcy. Also the debtor can also be required to undergo a financial education course prior to discharge of the debts. All persons considering bankruptcy should consult with an experienced Warner Robins, GA personal bankruptcy as the changes to US Bankruptcy Code have now made it difficult to qualify for Chapter 7. Prior to filing for bankruptcy under either Chapter 7 or Chapter 13, you must complete 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 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