Category: Chapter 7

What Debts are Discharged in Chapter 7 Bankruptcy?

When you file for Chapter 7 bankruptcy, certain debts are cancelled, or “discharged.” Once a debt is discharged, the debtor is no longer responsible for repaying it. A creditor can no longer collect on discharged debts. A discharge is usually automatically granted at the end of a case, unless an objection is filed by a… Read More »

By Robert J. Semrad | Published January 30 2015 | Posted in Chapter 7

What is the Chapter 7 Bankruptcy Means Test?

In order to file for Chapter 7 bankruptcy in Georgia, your income must be low enough to show that you cannot reasonably pay your debts. The bankruptcy means test determines if you qualify or if your income is too high for this type of bankruptcy. The test compares your income to that of a family… Read More »

By Robert J. Semrad | Published January 15 2015 | Posted in Chapter 7

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