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How Does the Chapter 7 Process Work in Georgia?

Steps you must follow after passing the means test

Once you have passed the means test, you and your attorney are ready to file. Now you get the process rolling by filing your official bankruptcy petition with the Georgia court. You just supply your bankruptcy attorney with all the relevant financial documents — all information about how much you make, your assets, liabilities and expenses. This helps your lawyer make calculations on your current income. Under "assets," be sure to list everything you own of any value:

  • Real estate
  • Cars
  • Trucks
  • Boats
  • Investments
  • Cash
  • Clothing
  • Furniture
  • Jewelry

If someone owes you money, like alimony or an income tax refund, be sure to include that. In addition, list everything you owe to your creditors.

While you're considering bankruptcy, all this may sound difficult. But your Georgia bankruptcy attorney will take you through it step-by-step to make sure you understand it all and that the paperwork gets done correctly. While your Atlanta DebtStoppers lawyer will do most of the work for you, it will save time if you begin putting together this information now. And if you have any questions at all about any part of the process, contact DebtStoppers anytime — we're here for you.

Your automatic stay: immediate stress relief

Filing a Chapter 7 bankruptcy in Atlanta may seem complicated, but it will alleviate your stress, eliminate your debt and simplify your life. Your first big benefit is the automatic stay, which forbids any of your creditors to contact you directly

Your 341 meeting with the bankruptcy trustee and your creditors

Once you file your petition, the bankruptcy court assigns a trustee to oversee your case. The trustee calls a 341 meeting and invites your creditors to raise any objections to your discharge of debt. Though this meeting is generally pro forma and often creditors don't even appear, your DebtStoppers attorney ensures that you're well prepared and accompanies you, giving legal and emotional support. After this brief meeting, the trustee proceeds with your case and in a matter of a few short months, your debts are discharged.

Take the first step toward your dream of a debt-free future

Call DebtStoppers at 404-796-7161 and make an appointment for a free consultation and debt evaluation with an experienced Atlanta bankruptcy lawyer. Or, just fill out this simple online form and we'll call you at your convenience.