If you’re thinking about filing for bankruptcy here in Georgia, you probably have your fair share of questions. For starters, you may be wondering whether Chapter 7 or Chapter 13 bankruptcy is best for you.

Should you end up considering Chapter 7 bankruptcy, the best decision you can make for yourself is to retain the services of an experienced Chapter 7 bankruptcy attorney. In addition to that, knowing the answers to some of the most common questions about Chapter 7 bankruptcy law in Georgia can be helpful.legal questions and answers

How Much Does It Cost to File for Personal Bankruptcy in Georgia?

The cost to file for Chapter 7 bankruptcy is a common concern among those considering this option for themselves. While costs can vary a bit, the average amount a person pays to file for Chapter 7 in Georgia is $338. This is the filing fee for Chapter 7 in the state of Georgia, though keep in mind that this does not include any attorney fees you may also be paying.

How Often Can You File Chapter 7 in Georgia?

In Georgia and across all states in the country, there is a limit as to how often you can file for bankruptcy. The specific limit for filing for Chapter 7 bankruptcy is once every eight years. You will not be eligible for another discharge of debts until eight years have passed since the official date of your last discharge. Even if you do wait eight years, it can be more difficult to get debt discharged for a second time under Chapter 7 bankruptcy.

Can I File Chapter 7 Without My Spouse?

Yes, it is possible to file for Chapter 7 bankruptcy without your spouse. However, it is important to understand that if you go this route, only your debts will be discharged — not your spouse’s. If you have shared debt, none of this will be affected by your filing, either. Generally, filing for bankruptcy without a spouse makes the most sense if you carry the majority of the debt, and you don’t want your spouse’s credit score to be affected by having a bankruptcy on his or her record.

These are answers to just a few of the most common questions people ask about filing for Chapter 7 bankruptcy here in Georgia. For answers to more of your questions, your best course of action is to consult with a Chapter 7 bankruptcy attorney who will be knowledgeable on all aspects of Georgia bankruptcy law. Schedule a consultation with Clark & Washington LLC today!